Call reports 2009
BANK OF ZUMBROTA — 2009
What BANK OF ZUMBROTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 125,490,000 | 127,571,000 | 127,024,000 | 127,590,000 |
| Total loans | 95,229,000 | 100,702,000 | 103,040,000 | 103,145,000 |
| Allowance for loan losses | 1,049,000 | 1,169,000 | 1,426,000 | 1,500,000 |
| Securities available for sale | 20,921,000 | 17,897,000 | 16,622,000 | 16,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,908,000 | 103,856,000 | 102,147,000 | 103,481,000 |
| Interest-bearing deposits | 86,932,000 | 88,627,000 | 87,294,000 | 87,220,000 |
| Noninterest-bearing deposits | 13,976,000 | 15,229,000 | 14,853,000 | 16,261,000 |
| Equity capital | 13,814,000 | 13,565,000 | 13,941,000 | 13,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,781,000 | 3,587,000 | 5,415,000 | 7,244,000 |
| Interest expense | 731,000 | 1,428,000 | 2,100,000 | 2,728,000 |
| Net interest income | 1,050,000 | 2,159,000 | 3,315,000 | 4,516,000 |
| Noninterest income | 259,000 | 482,000 | 653,000 | 813,000 |
| Noninterest expense | 779,000 | 1,670,000 | 2,562,000 | 3,458,000 |
| Provision for loan losses | 50,000 | 325,000 | 500,000 | 1,000,000 |
| Pretax income | 480,000 | 646,000 | 906,000 | 871,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 479,000 | 645,000 | 904,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,431,000 | 13,344,000 | 13,478,000 | 13,526,000 |
| Total capital | 14,480,000 | 14,513,000 | 14,904,000 | 14,942,000 |
| Risk-weighted assets | 120,203,000 | 125,501,000 | 127,586,000 | 113,202,000 |