Call reports 2007
BANK OF ZUMBROTA — 2007
What BANK OF ZUMBROTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,288,000 | 113,018,000 | 115,042,000 | 119,544,000 |
| Total loans | 86,228,000 | 86,724,000 | 86,835,000 | 90,853,000 |
| Allowance for loan losses | 682,000 | 732,000 | 732,000 | 722,000 |
| Securities available for sale | 18,807,000 | 19,075,000 | 20,893,000 | 22,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,911,000 | 91,523,000 | 94,223,000 | 96,600,000 |
| Interest-bearing deposits | 79,239,000 | 78,731,000 | 81,611,000 | 81,574,000 |
| Noninterest-bearing deposits | 13,672,000 | 12,792,000 | 12,612,000 | 15,026,000 |
| Equity capital | 12,684,000 | 11,798,000 | 12,326,000 | 12,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,768,000 | 5,700,000 | 7,658,000 |
| Interest expense | 812,000 | 1,641,000 | 2,505,000 | 3,378,000 |
| Net interest income | 1,065,000 | 2,127,000 | 3,195,000 | 4,280,000 |
| Noninterest income | 172,000 | 344,000 | 485,000 | 650,000 |
| Noninterest expense | 746,000 | 1,499,000 | 2,239,000 | 3,062,000 |
| Provision for loan losses | -100,000 | -100,000 | -100,000 | -100,000 |
| Pretax income | 591,000 | 1,072,000 | 1,541,000 | 1,968,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 590,000 | 1,070,000 | 1,538,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,598,000 | 11,873,000 | 12,241,000 | 12,564,000 |
| Total capital | 13,280,000 | 12,605,000 | 12,973,000 | 13,286,000 |
| Risk-weighted assets | 105,038,000 | 105,397,000 | 106,754,000 | 109,775,000 |