Call reports 2025
BANK OF ZACHARY — 2025
What BANK OF ZACHARY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 405,419,000 | 398,296,000 | 417,243,000 | 411,205,000 |
| Total loans | 264,706,000 | 266,781,000 | 282,256,000 | 289,710,000 |
| Allowance for loan losses | 2,670,000 | 2,635,000 | 2,844,000 | 2,824,000 |
| Securities available for sale | 103,589,000 | 100,567,000 | 97,005,000 | 96,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,593,000 | 355,709,000 | 361,869,000 | 357,754,000 |
| Interest-bearing deposits | 261,685,000 | 255,226,000 | 253,246,000 | 250,815,000 |
| Noninterest-bearing deposits | 100,908,000 | 100,483,000 | 108,623,000 | 106,939,000 |
| Equity capital | 36,001,000 | 35,850,000 | 38,097,000 | 39,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,070,000 | 10,257,000 | 15,791,000 | 21,389,000 |
| Interest expense | 1,488,000 | 2,946,000 | 4,375,000 | 5,808,000 |
| Net interest income | 3,582,000 | 7,311,000 | 11,416,000 | 15,581,000 |
| Noninterest income | 241,000 | 777,000 | 1,074,000 | 1,347,000 |
| Noninterest expense | 3,022,000 | 6,084,000 | 9,257,000 | 12,512,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 120,000 |
| Pretax income | 799,000 | 2,002,000 | 3,171,000 | 4,294,000 |
| Income tax | 127,000 | 335,000 | 533,000 | 725,000 |
| Net income | 672,000 | 1,667,000 | 2,638,000 | 3,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,035,000 | 50,796,000 | 50,917,000 | 51,023,000 |
| Total capital | 52,734,000 | 53,460,000 | 53,790,000 | 53,876,000 |
| Risk-weighted assets | 250,337,000 | 250,508,000 | 264,417,000 | 269,928,000 |