Call reports 2018
BANK OF ZACHARY — 2018
What BANK OF ZACHARY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 247,083,000 | 244,915,000 | 243,115,000 | 243,253,000 |
| Total loans | 153,092,000 | 154,030,000 | 160,927,000 | 163,330,000 |
| Allowance for loan losses | 1,883,000 | 1,696,000 | 1,558,000 | 1,555,000 |
| Securities available for sale | 73,485,000 | 73,174,000 | 66,627,000 | 66,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,583,000 | 223,161,000 | 221,080,000 | 215,588,000 |
| Interest-bearing deposits | 142,169,000 | 143,202,000 | 141,254,000 | 146,578,000 |
| Noninterest-bearing deposits | 83,414,000 | 79,959,000 | 79,826,000 | 69,010,000 |
| Equity capital | 21,362,000 | 21,342,000 | 21,411,000 | 22,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,404,000 | 4,924,000 | 7,483,000 | 10,134,000 |
| Interest expense | 188,000 | 388,000 | 607,000 | 846,000 |
| Net interest income | 2,216,000 | 4,536,000 | 6,876,000 | 9,288,000 |
| Noninterest income | 202,000 | 406,000 | 603,000 | 792,000 |
| Noninterest expense | 1,802,000 | 3,668,000 | 5,640,000 | 7,676,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 105,000 |
| Pretax income | 571,000 | 1,194,000 | 1,765,000 | 2,330,000 |
| Income tax | 77,000 | 164,000 | 245,000 | 322,000 |
| Net income | 494,000 | 1,030,000 | 1,520,000 | 2,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,482,000 | 22,620,000 | 23,108,000 | 23,297,000 |
| Total capital | 24,161,000 | 24,307,000 | 24,666,000 | 24,852,000 |
| Risk-weighted assets | 134,120,000 | 134,945,000 | 136,705,000 | 136,754,000 |