Call reports 2021
BANK OF ZACHARY — 2021
What BANK OF ZACHARY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 325,267,000 | 323,908,000 | 330,288,000 | 322,922,000 |
| Total loans | 191,069,000 | 184,220,000 | 182,288,000 | 176,301,000 |
| Allowance for loan losses | 2,296,000 | 2,302,000 | 2,681,000 | 2,598,000 |
| Securities available for sale | 117,525,000 | 124,946,000 | 125,102,000 | 133,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,701,000 | 288,746,000 | 301,824,000 | 295,349,000 |
| Interest-bearing deposits | 193,491,000 | 179,796,000 | 189,041,000 | 189,684,000 |
| Noninterest-bearing deposits | 107,210,000 | 108,950,000 | 112,783,000 | 105,665,000 |
| Equity capital | 24,125,000 | 25,742,000 | 27,237,000 | 27,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,766,000 | 5,700,000 | 8,858,000 | 12,214,000 |
| Interest expense | 286,000 | 489,000 | 666,000 | 809,000 |
| Net interest income | 2,480,000 | 5,211,000 | 8,192,000 | 11,405,000 |
| Noninterest income | 255,000 | 508,000 | 2,587,000 | 2,823,000 |
| Noninterest expense | 2,253,000 | 4,576,000 | 6,998,000 | 9,462,000 |
| Provision for loan losses | 37,000 | 59,000 | 416,000 | 416,000 |
| Pretax income | 447,000 | 1,086,000 | 3,331,000 | 4,314,000 |
| Income tax | 38,000 | 114,000 | 528,000 | 676,000 |
| Net income | 409,000 | 972,000 | 2,803,000 | 3,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,400,000 | 25,762,000 | 27,093,000 | 27,629,000 |
| Total capital | 27,407,000 | 27,788,000 | 29,203,000 | 29,804,000 |
| Risk-weighted assets | 160,294,000 | 161,782,000 | 168,265,000 | 173,540,000 |