Call reports 2004
BANK OF ZUMBROTA — 2004
What BANK OF ZUMBROTA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 105,647,000 | 105,011,000 | 107,878,000 | 107,962,000 |
| Total loans | 71,807,000 | 73,512,000 | 73,486,000 | 75,724,000 |
| Allowance for loan losses | 777,000 | 777,000 | 777,000 | 777,000 |
| Securities available for sale | 26,839,000 | 25,953,000 | 26,043,000 | 25,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,683,000 | 86,354,000 | 87,805,000 | 89,317,000 |
| Interest-bearing deposits | 75,058,000 | 75,030,000 | 75,740,000 | 75,745,000 |
| Noninterest-bearing deposits | 11,625,000 | 11,324,000 | 12,065,000 | 13,572,000 |
| Equity capital | 11,623,000 | 11,099,000 | 12,125,000 | 11,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 2,983,000 | 4,479,000 | 6,011,000 |
| Interest expense | 515,000 | 1,005,000 | 1,493,000 | 1,974,000 |
| Net interest income | 970,000 | 1,978,000 | 2,986,000 | 4,037,000 |
| Noninterest income | 182,000 | 377,000 | 582,000 | 759,000 |
| Noninterest expense | 684,000 | 1,398,000 | 2,023,000 | 2,740,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 468,000 | 957,000 | 1,545,000 | 2,056,000 |
| Income tax | -1,000 | 0 | 0 | 1,000 |
| Net income | 469,000 | 957,000 | 1,545,000 | 2,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,490,000 | 10,765,000 | 11,354,000 | 11,012,000 |
| Total capital | 11,267,000 | 11,542,000 | 12,131,000 | 11,789,000 |
| Risk-weighted assets | 81,926,000 | 84,117,000 | 85,394,000 | 86,584,000 |