Call reports 2022
BANK OF ZACHARY — 2022
What BANK OF ZACHARY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 332,484,000 | 377,039,000 | 380,816,000 | 360,790,000 |
| Total loans | 183,143,000 | 195,994,000 | 199,495,000 | 203,818,000 |
| Allowance for loan losses | 2,601,000 | 2,562,000 | 2,557,000 | 2,542,000 |
| Securities available for sale | 124,499,000 | 121,328,000 | 136,608,000 | 139,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,110,000 | 362,162,000 | 361,299,000 | 340,628,000 |
| Interest-bearing deposits | 201,832,000 | 209,790,000 | 225,571,000 | 208,231,000 |
| Noninterest-bearing deposits | 110,278,000 | 152,372,000 | 135,728,000 | 132,396,000 |
| Equity capital | 19,762,000 | 14,120,000 | 18,474,000 | 19,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,905,000 | 6,006,000 | 9,468,000 | 13,154,000 |
| Interest expense | 148,000 | 311,000 | 606,000 | 1,110,000 |
| Net interest income | 2,757,000 | 5,695,000 | 8,862,000 | 12,044,000 |
| Noninterest income | 254,000 | 668,000 | 914,000 | 1,372,000 |
| Noninterest expense | 2,324,000 | 4,717,000 | 7,275,000 | 9,813,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 687,000 | 1,646,000 | 2,501,000 | 3,603,000 |
| Income tax | 86,000 | 230,000 | 353,000 | 530,000 |
| Net income | 601,000 | 1,416,000 | 2,148,000 | 3,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,229,000 | 28,834,000 | 37,631,000 | 38,301,000 |
| Total capital | 28,229,000 | 31,396,000 | 40,188,000 | 40,843,000 |
| Risk-weighted assets | 185,736,000 | 205,889,000 | 211,710,000 | 212,419,000 |