Call reports 2014
BANK OF ZUMBROTA — 2014
What BANK OF ZUMBROTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 144,596,000 | 146,732,000 | 148,238,000 | 151,904,000 |
| Total loans | 104,742,000 | 108,901,000 | 109,856,000 | 109,219,000 |
| Allowance for loan losses | 1,320,000 | 1,320,000 | 1,371,000 | 1,372,000 |
| Securities available for sale | 29,638,000 | 29,398,000 | 29,517,000 | 29,429,000 |
| Securities held to maturity | 3,263,000 | 3,261,000 | 3,260,000 | 3,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,444,000 | 116,808,000 | 120,352,000 | 123,697,000 |
| Interest-bearing deposits | 97,184,000 | 96,405,000 | 98,608,000 | 99,844,000 |
| Noninterest-bearing deposits | 20,260,000 | 20,403,000 | 21,744,000 | 23,853,000 |
| Equity capital | 16,873,000 | 17,222,000 | 17,634,000 | 17,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,385,000 | 2,799,000 | 4,287,000 | 5,732,000 |
| Interest expense | 222,000 | 450,000 | 666,000 | 879,000 |
| Net interest income | 1,163,000 | 2,349,000 | 3,621,000 | 4,853,000 |
| Noninterest income | 177,000 | 381,000 | 642,000 | 906,000 |
| Noninterest expense | 999,000 | 2,025,000 | 2,964,000 | 4,006,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 341,000 | 705,000 | 1,252,000 | 1,706,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 340,000 | 704,000 | 1,250,000 | 1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,462,000 | 16,652,000 | 17,028,000 | 17,317,000 |
| Total capital | 17,782,000 | 17,973,000 | 18,400,000 | 18,689,000 |
| Risk-weighted assets | 119,348,000 | 125,878,000 | 128,801,000 | 132,806,000 |