Call reports 2012
BANK OF ZUMBROTA — 2012
What BANK OF ZUMBROTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,445,000 | 133,514,000 | 133,972,000 | 139,155,000 |
| Total loans | 95,456,000 | 95,296,000 | 93,446,000 | 100,229,000 |
| Allowance for loan losses | 1,630,000 | 1,585,000 | 1,586,000 | 1,450,000 |
| Securities available for sale | 26,956,000 | 29,076,000 | 30,009,000 | 24,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,851,000 | 107,425,000 | 110,411,000 | 114,124,000 |
| Interest-bearing deposits | 92,575,000 | 89,865,000 | 91,669,000 | 92,284,000 |
| Noninterest-bearing deposits | 18,276,000 | 17,560,000 | 18,742,000 | 21,840,000 |
| Equity capital | 16,395,000 | 16,589,000 | 16,964,000 | 17,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,200,000 | 4,755,000 | 6,224,000 |
| Interest expense | 335,000 | 646,000 | 947,000 | 1,188,000 |
| Net interest income | 1,281,000 | 2,554,000 | 3,808,000 | 5,036,000 |
| Noninterest income | 235,000 | 474,000 | 827,000 | 1,051,000 |
| Noninterest expense | 899,000 | 1,853,000 | 2,911,000 | 3,920,000 |
| Provision for loan losses | 25,000 | 160,000 | 160,000 | 160,000 |
| Pretax income | 592,000 | 1,015,000 | 1,564,000 | 2,007,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 591,000 | 1,014,000 | 1,562,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,411,000 | 15,484,000 | 15,855,000 | 16,299,000 |
| Total capital | 16,787,000 | 16,719,000 | 17,226,000 | 17,742,000 |
| Risk-weighted assets | 109,827,000 | 108,873,000 | 109,499,000 | 115,425,000 |