Call reports 2003
BANK OF ZUMBROTA — 2003
What BANK OF ZUMBROTA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 111,650,000 | 107,997,000 | 107,208,000 | 108,074,000 |
| Total loans | 72,734,000 | 74,265,000 | 72,606,000 | 71,295,000 |
| Allowance for loan losses | 723,000 | 749,000 | 774,000 | 774,000 |
| Securities available for sale | 29,126,000 | 27,566,000 | 26,247,000 | 27,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,740,000 | 90,356,000 | 90,050,000 | 90,496,000 |
| Interest-bearing deposits | 82,685,000 | 80,031,000 | 78,850,000 | 78,713,000 |
| Noninterest-bearing deposits | 11,055,000 | 10,325,000 | 11,200,000 | 11,783,000 |
| Equity capital | 10,596,000 | 10,940,000 | 10,856,000 | 11,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,187,000 | 4,745,000 | 6,276,000 |
| Interest expense | 657,000 | 1,280,000 | 1,855,000 | 2,400,000 |
| Net interest income | 933,000 | 1,907,000 | 2,890,000 | 3,876,000 |
| Noninterest income | 191,000 | 445,000 | 724,000 | 890,000 |
| Noninterest expense | 613,000 | 1,269,000 | 1,930,000 | 2,689,000 |
| Provision for loan losses | 50,000 | 75,000 | 100,000 | 100,000 |
| Pretax income | 461,000 | 1,008,000 | 1,584,000 | 1,977,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 9,000 |
| Net income | 455,000 | 1,002,000 | 1,578,000 | 1,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,523,000 | 9,660,000 | 10,031,000 | 10,421,000 |
| Total capital | 10,246,000 | 10,409,000 | 10,805,000 | 11,195,000 |
| Risk-weighted assets | 78,649,000 | 80,093,000 | 79,063,000 | 82,258,000 |