Call reports 2017
BANK OF ZACHARY — 2017
What BANK OF ZACHARY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 247,422,000 | 239,919,000 | 233,799,000 | 226,316,000 |
| Total loans | 142,617,000 | 147,414,000 | 148,194,000 | 149,571,000 |
| Allowance for loan losses | 1,837,000 | 1,840,000 | 1,881,000 | 1,845,000 |
| Securities available for sale | 77,741,000 | 75,893,000 | 72,439,000 | 66,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,211,000 | 217,674,000 | 211,057,000 | 204,213,000 |
| Interest-bearing deposits | 140,856,000 | 138,549,000 | 132,452,000 | 128,850,000 |
| Noninterest-bearing deposits | 83,355,000 | 79,125,000 | 78,605,000 | 75,363,000 |
| Equity capital | 20,851,000 | 21,585,000 | 21,949,000 | 21,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,750,000 | 7,166,000 | 9,557,000 |
| Interest expense | 157,000 | 324,000 | 482,000 | 631,000 |
| Net interest income | 2,161,000 | 4,426,000 | 6,684,000 | 8,926,000 |
| Noninterest income | 225,000 | 451,000 | 664,000 | 871,000 |
| Noninterest expense | 1,797,000 | 3,609,000 | 5,442,000 | 7,165,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 90,000 |
| Pretax income | 593,000 | 1,272,000 | 1,884,000 | 2,632,000 |
| Income tax | 119,000 | 268,000 | 395,000 | 596,000 |
| Net income | 474,000 | 1,004,000 | 1,489,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,124,000 | 21,304,000 | 21,789,000 | 21,989,000 |
| Total capital | 22,697,000 | 22,912,000 | 23,394,000 | 23,595,000 |
| Risk-weighted assets | 125,585,000 | 128,302,000 | 128,089,000 | 128,338,000 |