Call reports 2011
BANK OF ZUMBROTA — 2011
What BANK OF ZUMBROTA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 132,402,000 | 133,412,000 | 134,678,000 | 136,619,000 |
| Total loans | 99,709,000 | 100,671,000 | 96,225,000 | 95,562,000 |
| Allowance for loan losses | 1,577,000 | 1,727,000 | 1,731,000 | 1,562,000 |
| Securities available for sale | 21,403,000 | 23,258,000 | 23,160,000 | 25,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,617,000 | 108,741,000 | 110,290,000 | 111,747,000 |
| Interest-bearing deposits | 91,141,000 | 91,750,000 | 91,918,000 | 92,390,000 |
| Noninterest-bearing deposits | 16,476,000 | 16,991,000 | 18,372,000 | 19,357,000 |
| Equity capital | 14,978,000 | 15,327,000 | 16,059,000 | 16,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,742,000 | 3,448,000 | 5,159,000 | 6,805,000 |
| Interest expense | 442,000 | 855,000 | 1,249,000 | 1,616,000 |
| Net interest income | 1,300,000 | 2,593,000 | 3,910,000 | 5,189,000 |
| Noninterest income | 158,000 | 330,000 | 564,000 | 760,000 |
| Noninterest expense | 883,000 | 1,894,000 | 2,785,000 | 3,745,000 |
| Provision for loan losses | 200,000 | 350,000 | 350,000 | 425,000 |
| Pretax income | 375,000 | 679,000 | 1,339,000 | 1,779,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 374,000 | 678,000 | 1,337,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,512,000 | 14,573,000 | 15,111,000 | 15,379,000 |
| Total capital | 15,914,000 | 15,981,000 | 16,485,000 | 16,750,000 |
| Risk-weighted assets | 111,951,000 | 112,221,000 | 109,576,000 | 109,483,000 |