Call reports 2024
BANK OF ZACHARY — 2024
What BANK OF ZACHARY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 410,082,000 | 400,045,000 | 407,037,000 | 394,087,000 |
| Total loans | 229,368,000 | 231,705,000 | 238,676,000 | 256,855,000 |
| Allowance for loan losses | 2,768,000 | 2,752,000 | 2,728,000 | 2,690,000 |
| Securities available for sale | 118,912,000 | 119,274,000 | 116,990,000 | 107,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,133,000 | 363,853,000 | 357,551,000 | 358,138,000 |
| Interest-bearing deposits | 261,067,000 | 263,595,000 | 255,957,000 | 261,971,000 |
| Noninterest-bearing deposits | 103,066,000 | 100,258,000 | 101,594,000 | 96,167,000 |
| Equity capital | 33,242,000 | 33,786,000 | 36,867,000 | 34,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,610,000 | 9,454,000 | 14,394,000 | 19,526,000 |
| Interest expense | 1,769,000 | 3,520,000 | 5,171,000 | 6,679,000 |
| Net interest income | 2,841,000 | 5,934,000 | 9,223,000 | 12,847,000 |
| Noninterest income | 235,000 | 489,000 | 735,000 | 1,028,000 |
| Noninterest expense | 2,796,000 | 5,667,000 | 8,624,000 | 11,560,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 280,000 | 756,000 | 1,334,000 | 2,315,000 |
| Income tax | 14,000 | 89,000 | 174,000 | 346,000 |
| Net income | 266,000 | 667,000 | 1,160,000 | 1,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,351,000 | 48,656,000 | 49,010,000 | 49,645,000 |
| Total capital | 51,148,000 | 51,437,000 | 51,767,000 | 52,364,000 |
| Risk-weighted assets | 226,229,000 | 228,892,000 | 232,953,000 | 243,618,000 |