Call reports 2016
BANK OF ZUMBROTA — 2016
What BANK OF ZUMBROTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 155,910,000 | 154,169,000 | 156,565,000 | 159,090,000 |
| Total loans | 114,194,000 | 115,948,000 | 114,805,000 | 119,655,000 |
| Allowance for loan losses | 1,392,000 | 1,392,000 | 1,394,000 | 1,396,000 |
| Securities available for sale | 27,420,000 | 27,663,000 | 27,563,000 | 27,291,000 |
| Securities held to maturity | 2,939,000 | 2,937,000 | 2,935,000 | 2,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,675,000 | 122,840,000 | 125,552,000 | 128,790,000 |
| Interest-bearing deposits | 100,376,000 | 99,824,000 | 100,964,000 | 101,526,000 |
| Noninterest-bearing deposits | 24,299,000 | 23,016,000 | 24,588,000 | 27,264,000 |
| Equity capital | 18,224,000 | 18,755,000 | 18,950,000 | 18,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 3,012,000 | 4,546,000 | 6,037,000 |
| Interest expense | 195,000 | 404,000 | 604,000 | 806,000 |
| Net interest income | 1,284,000 | 2,608,000 | 3,942,000 | 5,231,000 |
| Noninterest income | 222,000 | 452,000 | 754,000 | 1,040,000 |
| Noninterest expense | 1,123,000 | 2,119,000 | 3,231,000 | 4,354,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 383,000 | 941,000 | 1,465,000 | 1,867,000 |
| Income tax | 1,000 | 1,000 | 3,000 | 4,000 |
| Net income | 382,000 | 940,000 | 1,462,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,817,000 | 18,249,000 | 18,576,000 | 18,846,000 |
| Total capital | 19,209,000 | 19,642,000 | 19,970,000 | 20,242,000 |
| Risk-weighted assets | 130,306,000 | 133,038,000 | 134,430,000 | 137,374,000 |