Call reports 2006
BANK OF ZUMBROTA — 2006
What BANK OF ZUMBROTA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 108,687,000 | 112,101,000 | 114,299,000 | 115,369,000 |
| Total loans | 82,748,000 | 85,002,000 | 86,962,000 | 85,131,000 |
| Allowance for loan losses | 758,000 | 782,000 | 782,000 | 780,000 |
| Securities available for sale | 21,088,000 | 22,050,000 | 22,094,000 | 20,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,784,000 | 91,446,000 | 91,966,000 | 93,782,000 |
| Interest-bearing deposits | 74,815,000 | 78,733,000 | 78,679,000 | 80,121,000 |
| Noninterest-bearing deposits | 12,969,000 | 12,713,000 | 13,287,000 | 13,661,000 |
| Equity capital | 11,449,000 | 11,321,000 | 12,234,000 | 12,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,698,000 | 3,469,000 | 5,333,000 | 7,200,000 |
| Interest expense | 635,000 | 1,354,000 | 2,143,000 | 2,966,000 |
| Net interest income | 1,063,000 | 2,115,000 | 3,190,000 | 4,234,000 |
| Noninterest income | 178,000 | 374,000 | 852,000 | 1,029,000 |
| Noninterest expense | 744,000 | 1,487,000 | 2,225,000 | 3,014,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 497,000 | 977,000 | 1,792,000 | 2,224,000 |
| Income tax | 3,000 | 5,000 | 6,000 | 7,000 |
| Net income | 494,000 | 972,000 | 1,786,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,382,000 | 11,434,000 | 12,121,000 | 12,458,000 |
| Total capital | 12,140,000 | 12,216,000 | 12,903,000 | 13,238,000 |
| Risk-weighted assets | 99,863,000 | 102,100,000 | 104,144,000 | 104,331,000 |