Call reports 2005
BANK OF ZUMBROTA — 2005
What BANK OF ZUMBROTA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 105,700,000 | 107,276,000 | 110,380,000 | 111,540,000 |
| Total loans | 76,579,000 | 78,792,000 | 82,109,000 | 80,985,000 |
| Allowance for loan losses | 777,000 | 777,000 | 777,000 | 758,000 |
| Securities available for sale | 23,432,000 | 23,077,000 | 22,507,000 | 22,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,045,000 | 87,636,000 | 89,742,000 | 91,393,000 |
| Interest-bearing deposits | 74,667,000 | 75,370,000 | 76,691,000 | 76,898,000 |
| Noninterest-bearing deposits | 12,378,000 | 12,266,000 | 13,051,000 | 14,495,000 |
| Equity capital | 10,834,000 | 11,270,000 | 11,706,000 | 11,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,524,000 | 3,106,000 | 4,755,000 | 6,449,000 |
| Interest expense | 474,000 | 990,000 | 1,565,000 | 2,182,000 |
| Net interest income | 1,050,000 | 2,116,000 | 3,190,000 | 4,267,000 |
| Noninterest income | 151,000 | 320,000 | 513,000 | 677,000 |
| Noninterest expense | 742,000 | 1,466,000 | 2,167,000 | 2,946,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 459,000 | 970,000 | 1,536,000 | 1,998,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 458,000 | 969,000 | 1,534,000 | 1,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,520,000 | 10,837,000 | 11,406,000 | 11,237,000 |
| Total capital | 11,297,000 | 11,614,000 | 12,183,000 | 11,995,000 |
| Risk-weighted assets | 88,528,000 | 90,816,000 | 99,008,000 | 99,346,000 |