Call reports 2015
BANK OF ZACHARY — 2015
What BANK OF ZACHARY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 207,933,000 | 209,494,000 | 206,515,000 | 197,367,000 |
| Total loans | 102,431,000 | 101,805,000 | 110,830,000 | 122,693,000 |
| Allowance for loan losses | 1,242,000 | 1,211,000 | 1,262,000 | 1,320,000 |
| Securities available for sale | 89,911,000 | 94,041,000 | 70,572,000 | 65,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,045,000 | 177,459,000 | 176,497,000 | 168,694,000 |
| Interest-bearing deposits | 121,235,000 | 119,470,000 | 113,953,000 | 109,269,000 |
| Noninterest-bearing deposits | 56,810,000 | 57,989,000 | 62,544,000 | 59,425,000 |
| Equity capital | 20,559,000 | 20,002,000 | 20,636,000 | 20,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,968,000 | 3,939,000 | 5,888,000 | 7,895,000 |
| Interest expense | 153,000 | 313,000 | 457,000 | 587,000 |
| Net interest income | 1,815,000 | 3,626,000 | 5,431,000 | 7,308,000 |
| Noninterest income | 239,000 | 459,000 | 667,000 | 880,000 |
| Noninterest expense | 1,503,000 | 2,977,000 | 4,522,000 | 6,139,000 |
| Provision for loan losses | 0 | 0 | 80,000 | 155,000 |
| Pretax income | 551,000 | 1,108,000 | 1,705,000 | 2,103,000 |
| Income tax | 103,000 | 204,000 | 324,000 | 399,000 |
| Net income | 448,000 | 904,000 | 1,381,000 | 1,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,219,000 | 19,350,000 | 19,827,000 | 19,801,000 |
| Total capital | 20,419,000 | 20,520,000 | 21,089,000 | 21,108,000 |
| Risk-weighted assets | 95,920,000 | 93,530,000 | 100,998,000 | 104,544,000 |