Call reports 2015
BANK OF ZUMBROTA — 2015
What BANK OF ZUMBROTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 153,091,000 | 151,827,000 | 153,567,000 | 154,120,000 |
| Total loans | 111,314,000 | 114,482,000 | 114,621,000 | 116,432,000 |
| Allowance for loan losses | 1,373,000 | 1,400,000 | 1,401,000 | 1,390,000 |
| Securities available for sale | 28,595,000 | 28,917,000 | 29,287,000 | 28,799,000 |
| Securities held to maturity | 3,256,000 | 3,254,000 | 3,253,000 | 2,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,605,000 | 122,526,000 | 123,926,000 | 124,300,000 |
| Interest-bearing deposits | 98,694,000 | 100,159,000 | 100,917,000 | 100,609,000 |
| Noninterest-bearing deposits | 24,911,000 | 22,367,000 | 23,009,000 | 23,691,000 |
| Equity capital | 17,654,000 | 17,702,000 | 18,109,000 | 18,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 2,942,000 | 4,471,000 | 5,974,000 |
| Interest expense | 196,000 | 401,000 | 601,000 | 805,000 |
| Net interest income | 1,249,000 | 2,541,000 | 3,870,000 | 5,169,000 |
| Noninterest income | 237,000 | 482,000 | 721,000 | 962,000 |
| Noninterest expense | 1,014,000 | 2,078,000 | 3,141,000 | 4,156,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 472,000 | 920,000 | 1,425,000 | 1,950,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 471,000 | 919,000 | 1,423,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,925,000 | 17,201,000 | 17,736,000 | 18,120,000 |
| Total capital | 18,298,000 | 18,601,000 | 19,137,000 | 19,510,000 |
| Risk-weighted assets | 123,683,000 | 129,452,000 | 130,310,000 | 132,091,000 |