Call reports 2008
BANK OF ZUMBROTA — 2008
What BANK OF ZUMBROTA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,189,000 | 130,993,000 | 126,300,000 | 126,669,000 |
| Total loans | 91,140,000 | 95,643,000 | 95,637,000 | 96,946,000 |
| Allowance for loan losses | 747,000 | 795,000 | 824,000 | 1,011,000 |
| Securities available for sale | 29,379,000 | 28,436,000 | 22,529,000 | 21,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,952,000 | 103,599,000 | 101,811,000 | 103,063,000 |
| Interest-bearing deposits | 91,737,000 | 89,684,000 | 87,892,000 | 88,415,000 |
| Noninterest-bearing deposits | 14,215,000 | 13,915,000 | 13,919,000 | 14,648,000 |
| Equity capital | 12,990,000 | 12,761,000 | 13,040,000 | 13,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,023,000 | 3,972,000 | 5,928,000 | 7,822,000 |
| Interest expense | 919,000 | 1,762,000 | 2,588,000 | 3,378,000 |
| Net interest income | 1,104,000 | 2,210,000 | 3,340,000 | 4,444,000 |
| Noninterest income | 206,000 | 386,000 | 538,000 | 710,000 |
| Noninterest expense | 750,000 | 1,517,000 | 2,338,000 | 3,137,000 |
| Provision for loan losses | 25,000 | 75,000 | 100,000 | 350,000 |
| Pretax income | 535,000 | 1,004,000 | 1,440,000 | 1,667,000 |
| Income tax | 0 | -1,000 | -1,000 | 0 |
| Net income | 535,000 | 1,006,000 | 1,441,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,597,000 | 12,619,000 | 12,893,000 | 12,955,000 |
| Total capital | 13,344,000 | 13,413,000 | 13,717,000 | 13,966,000 |
| Risk-weighted assets | 114,689,000 | 117,597,000 | 118,548,000 | 119,289,000 |