Call reports 2020
BANK OF ZACHARY — 2020
What BANK OF ZACHARY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 249,419,000 | 272,703,000 | 298,831,000 | 303,727,000 |
| Total loans | 176,599,000 | 195,183,000 | 197,853,000 | 186,896,000 |
| Allowance for loan losses | 1,823,000 | 2,215,000 | 2,211,000 | 2,264,000 |
| Securities available for sale | 52,104,000 | 52,520,000 | 89,192,000 | 107,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,894,000 | 246,132,000 | 269,427,000 | 272,976,000 |
| Interest-bearing deposits | 153,023,000 | 159,884,000 | 176,253,000 | 177,689,000 |
| Noninterest-bearing deposits | 71,871,000 | 86,248,000 | 93,174,000 | 95,287,000 |
| Equity capital | 24,003,000 | 25,653,000 | 25,659,000 | 26,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,665,000 | 6,024,000 | 8,718,000 | 11,587,000 |
| Interest expense | 381,000 | 733,000 | 1,079,000 | 1,414,000 |
| Net interest income | 2,284,000 | 5,291,000 | 7,639,000 | 10,173,000 |
| Noninterest income | 201,000 | 407,000 | 633,000 | 1,075,000 |
| Noninterest expense | 2,212,000 | 4,273,000 | 6,523,000 | 8,897,000 |
| Provision for loan losses | 88,000 | 486,000 | 531,000 | 596,000 |
| Pretax income | 340,000 | 1,272,000 | 1,551,000 | 2,088,000 |
| Income tax | 32,000 | 191,000 | 199,000 | 266,000 |
| Net income | 308,000 | 1,081,000 | 1,352,000 | 1,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,176,000 | 24,849,000 | 24,870,000 | 25,091,000 |
| Total capital | 25,999,000 | 26,616,000 | 26,733,000 | 26,992,000 |
| Risk-weighted assets | 145,874,000 | 140,785,000 | 148,717,000 | 151,624,000 |