Call reports 2023
BANK OF ZACHARY — 2023
What BANK OF ZACHARY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 403,181,000 | 392,510,000 | 399,736,000 | 401,941,000 |
| Total loans | 209,938,000 | 215,099,000 | 222,179,000 | 227,945,000 |
| Allowance for loan losses | 2,585,000 | 2,597,000 | 2,579,000 | 2,775,000 |
| Securities available for sale | 139,474,000 | 130,856,000 | 122,284,000 | 122,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,560,000 | 351,884,000 | 361,305,000 | 345,068,000 |
| Interest-bearing deposits | 218,905,000 | 240,595,000 | 249,467,000 | 242,351,000 |
| Noninterest-bearing deposits | 130,655,000 | 111,290,000 | 111,838,000 | 102,717,000 |
| Equity capital | 30,234,000 | 29,366,000 | 26,521,000 | 34,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,704,000 | 7,954,000 | 12,389,000 | 16,938,000 |
| Interest expense | 755,000 | 2,166,000 | 3,765,000 | 5,411,000 |
| Net interest income | 2,949,000 | 5,788,000 | 8,624,000 | 11,527,000 |
| Noninterest income | 309,000 | 547,000 | 790,000 | 5,187,000 |
| Noninterest expense | 2,569,000 | 5,239,000 | 8,025,000 | 11,413,000 |
| Provision for loan losses | 60,000 | 90,000 | 90,000 | 340,000 |
| Pretax income | 629,000 | 874,000 | 1,167,000 | 3,399,000 |
| Income tax | 79,000 | 82,000 | 97,000 | 516,000 |
| Net income | 550,000 | 792,000 | 1,070,000 | 2,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,526,000 | 46,573,000 | 46,765,000 | 48,484,000 |
| Total capital | 49,111,000 | 49,170,000 | 49,344,000 | 51,288,000 |
| Risk-weighted assets | 218,776,000 | 223,342,000 | 224,824,000 | 226,930,000 |