Call reports 2010
BANK OF ZUMBROTA — 2010
What BANK OF ZUMBROTA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 126,436,000 | 130,680,000 | 132,482,000 | 133,785,000 |
| Total loans | 101,267,000 | 102,149,000 | 101,455,000 | 100,128,000 |
| Allowance for loan losses | 1,438,000 | 1,417,000 | 1,416,000 | 1,349,000 |
| Securities available for sale | 18,490,000 | 19,759,000 | 20,663,000 | 21,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,780,000 | 105,803,000 | 107,237,000 | 108,897,000 |
| Interest-bearing deposits | 86,719,000 | 90,963,000 | 91,508,000 | 91,393,000 |
| Noninterest-bearing deposits | 15,061,000 | 14,840,000 | 15,729,000 | 17,504,000 |
| Equity capital | 14,535,000 | 14,793,000 | 15,219,000 | 14,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,797,000 | 3,544,000 | 5,373,000 | 7,206,000 |
| Interest expense | 567,000 | 1,124,000 | 1,670,000 | 2,170,000 |
| Net interest income | 1,230,000 | 2,420,000 | 3,703,000 | 5,036,000 |
| Noninterest income | 151,000 | 219,000 | 361,000 | 537,000 |
| Noninterest expense | 832,000 | 1,756,000 | 2,558,000 | 3,522,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 549,000 | 883,000 | 1,506,000 | 1,751,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 548,000 | 882,000 | 1,504,000 | 1,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,076,000 | 14,399,000 | 14,516,000 | 14,586,000 |
| Total capital | 15,464,000 | 15,816,000 | 15,932,000 | 15,935,000 |
| Risk-weighted assets | 111,007,000 | 114,104,000 | 114,537,000 | 113,652,000 |