Call reports 2001
BANK OF ZUMBROTA — 2001
What BANK OF ZUMBROTA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 88,936,000 | 90,827,000 | 93,995,000 | 97,780,000 |
| Total loans | 64,545,000 | 66,148,000 | 66,944,000 | 65,955,000 |
| Allowance for loan losses | 708,000 | 706,000 | 707,000 | 756,000 |
| Securities available for sale | 18,904,000 | 18,451,000 | 20,441,000 | 18,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,538,000 | 76,275,000 | 79,634,000 | 83,367,000 |
| Interest-bearing deposits | 64,668,000 | 67,592,000 | 69,868,000 | 71,783,000 |
| Noninterest-bearing deposits | 8,870,000 | 8,683,000 | 9,766,000 | 11,584,000 |
| Equity capital | 8,596,000 | 8,914,000 | 9,209,000 | 9,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,497,000 | 5,279,000 | 7,030,000 |
| Interest expense | 900,000 | 1,764,000 | 2,698,000 | 3,537,000 |
| Net interest income | 841,000 | 1,733,000 | 2,581,000 | 3,493,000 |
| Noninterest income | 118,000 | 269,000 | 395,000 | 560,000 |
| Noninterest expense | 561,000 | 1,119,000 | 1,646,000 | 2,289,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 398,000 | 871,000 | 1,318,000 | 1,650,000 |
| Income tax | 38,000 | 64,000 | 64,000 | 64,000 |
| Net income | 360,000 | 807,000 | 1,254,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,358,000 | 8,581,000 | 8,733,000 | 8,945,000 |
| Total capital | 9,066,000 | 9,287,000 | 9,440,000 | 9,701,000 |
| Risk-weighted assets | 66,794,000 | 69,093,000 | 70,635,000 | 70,374,000 |