Call reports 2016
BANK OF ZACHARY — 2016
What BANK OF ZACHARY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 225,967,000 | 226,977,000 | 233,429,000 | 238,804,000 |
| Total loans | 122,586,000 | 129,644,000 | 131,733,000 | 136,514,000 |
| Allowance for loan losses | 1,406,000 | 1,364,000 | 1,496,000 | 1,837,000 |
| Securities available for sale | 62,948,000 | 80,696,000 | 76,486,000 | 78,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,898,000 | 204,503,000 | 210,900,000 | 218,118,000 |
| Interest-bearing deposits | 123,752,000 | 126,822,000 | 132,446,000 | 133,365,000 |
| Noninterest-bearing deposits | 80,146,000 | 77,681,000 | 78,454,000 | 84,753,000 |
| Equity capital | 21,075,000 | 21,299,000 | 21,468,000 | 20,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,101,000 | 4,213,000 | 6,393,000 | 8,718,000 |
| Interest expense | 153,000 | 305,000 | 453,000 | 608,000 |
| Net interest income | 1,948,000 | 3,908,000 | 5,940,000 | 8,110,000 |
| Noninterest income | 300,000 | 535,000 | 793,000 | 989,000 |
| Noninterest expense | 1,615,000 | 3,298,000 | 4,977,000 | 6,684,000 |
| Provision for loan losses | 85,000 | 190,000 | 325,000 | 700,000 |
| Pretax income | 548,000 | 966,000 | 1,461,000 | 1,746,000 |
| Income tax | 113,000 | 204,000 | 299,000 | 297,000 |
| Net income | 435,000 | 762,000 | 1,162,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,235,000 | 20,237,000 | 20,637,000 | 20,649,000 |
| Total capital | 21,612,000 | 21,601,000 | 22,106,000 | 22,156,000 |
| Risk-weighted assets | 110,072,000 | 113,795,000 | 117,455,000 | 120,390,000 |