Call reports 2013
BANK OF ZUMBROTA — 2013
What BANK OF ZUMBROTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 139,876,000 | 138,630,000 | 145,128,000 | 146,258,000 |
| Total loans | 98,440,000 | 103,189,000 | 101,774,000 | 103,594,000 |
| Allowance for loan losses | 1,578,000 | 1,567,000 | 1,567,000 | 1,317,000 |
| Securities available for sale | 25,309,000 | 27,042,000 | 27,247,000 | 31,163,000 |
| Securities held to maturity | 0 | 0 | 3,267,000 | 3,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,215,000 | 112,825,000 | 117,870,000 | 118,630,000 |
| Interest-bearing deposits | 93,949,000 | 93,528,000 | 96,835,000 | 96,925,000 |
| Noninterest-bearing deposits | 20,266,000 | 19,297,000 | 21,035,000 | 21,705,000 |
| Equity capital | 17,099,000 | 16,591,000 | 17,047,000 | 17,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,813,000 | 4,253,000 | 5,678,000 |
| Interest expense | 228,000 | 457,000 | 696,000 | 930,000 |
| Net interest income | 1,177,000 | 2,356,000 | 3,557,000 | 4,748,000 |
| Noninterest income | 253,000 | 548,000 | 754,000 | 973,000 |
| Noninterest expense | 923,000 | 1,943,000 | 2,858,000 | 3,918,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 407,000 | 861,000 | 1,353,000 | 1,703,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 406,000 | 860,000 | 1,351,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,106,000 | 16,298,000 | 16,606,000 | 16,871,000 |
| Total capital | 17,547,000 | 17,780,000 | 18,078,000 | 18,188,000 |
| Risk-weighted assets | 115,189,000 | 118,140,000 | 117,653,000 | 121,974,000 |