Call reports 2019
BANK OF ZACHARY — 2019
What BANK OF ZACHARY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 251,435,000 | 240,421,000 | 239,589,000 | 240,440,000 |
| Total loans | 165,769,000 | 171,493,000 | 171,887,000 | 176,342,000 |
| Allowance for loan losses | 1,463,000 | 1,551,000 | 1,638,000 | 1,715,000 |
| Securities available for sale | 65,571,000 | 57,434,000 | 51,625,000 | 51,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,733,000 | 209,921,000 | 210,553,000 | 203,641,000 |
| Interest-bearing deposits | 148,543,000 | 140,711,000 | 140,420,000 | 134,170,000 |
| Noninterest-bearing deposits | 71,190,000 | 69,210,000 | 70,133,000 | 69,471,000 |
| Equity capital | 23,014,000 | 23,864,000 | 24,201,000 | 24,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,368,000 | 8,016,000 | 10,710,000 |
| Interest expense | 377,000 | 753,000 | 1,135,000 | 1,499,000 |
| Net interest income | 2,265,000 | 4,615,000 | 6,881,000 | 9,211,000 |
| Noninterest income | 183,000 | 369,000 | 586,000 | 1,055,000 |
| Noninterest expense | 1,971,000 | 3,990,000 | 6,033,000 | 8,108,000 |
| Provision for loan losses | 120,000 | 210,000 | 300,000 | 390,000 |
| Pretax income | 357,000 | 788,000 | 1,143,000 | 1,777,000 |
| Income tax | 33,000 | 82,000 | 117,000 | 212,000 |
| Net income | 324,000 | 706,000 | 1,026,000 | 1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,528,000 | 23,660,000 | 23,780,000 | 24,068,000 |
| Total capital | 24,991,000 | 25,211,000 | 25,418,000 | 25,783,000 |
| Risk-weighted assets | 139,103,000 | 141,227,000 | 140,665,000 | 143,173,000 |