Call reports 2017
BANK OF ZUMBROTA — 2017
What BANK OF ZUMBROTA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 157,321,000 | 155,195,000 | 155,576,000 | 162,235,000 |
| Total loans | 118,358,000 | 120,831,000 | 121,680,000 | 123,268,000 |
| Allowance for loan losses | 1,420,000 | 1,407,000 | 1,422,000 | 1,432,000 |
| Securities available for sale | 24,203,000 | 24,215,000 | 24,094,000 | 24,714,000 |
| Securities held to maturity | 2,891,000 | 2,889,000 | 2,888,000 | 2,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,334,000 | 124,255,000 | 125,233,000 | 131,622,000 |
| Interest-bearing deposits | 100,598,000 | 99,808,000 | 99,324,000 | 102,816,000 |
| Noninterest-bearing deposits | 26,736,000 | 24,447,000 | 25,909,000 | 28,806,000 |
| Equity capital | 18,610,000 | 19,174,000 | 19,499,000 | 19,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,471,000 | 2,996,000 | 4,533,000 | 6,095,000 |
| Interest expense | 188,000 | 390,000 | 592,000 | 824,000 |
| Net interest income | 1,283,000 | 2,606,000 | 3,941,000 | 5,271,000 |
| Noninterest income | 234,000 | 502,000 | 845,000 | 1,173,000 |
| Noninterest expense | 1,112,000 | 2,163,000 | 3,308,000 | 4,348,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 380,000 | 920,000 | 1,453,000 | 2,071,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 379,000 | 919,000 | 1,452,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,596,000 | 18,992,000 | 19,341,000 | 19,731,000 |
| Total capital | 20,016,000 | 20,399,000 | 20,763,000 | 21,163,000 |
| Risk-weighted assets | 137,487,000 | 138,832,000 | 145,271,000 | 150,490,000 |