Call reports 2018
BANK OF ZUMBROTA — 2018
What BANK OF ZUMBROTA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 160,506,000 | 158,336,000 | 159,571,000 | 160,946,000 |
| Total loans | 119,481,000 | 120,433,000 | 121,729,000 | 122,902,000 |
| Allowance for loan losses | 1,438,000 | 1,452,000 | 1,442,000 | 1,261,000 |
| Securities available for sale | 25,413,000 | 26,962,000 | 25,590,000 | 26,323,000 |
| Securities held to maturity | 2,664,000 | 2,663,000 | 2,661,000 | 2,661,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,326,000 | 128,745,000 | 130,026,000 | 129,652,000 |
| Interest-bearing deposits | 102,040,000 | 101,848,000 | 101,033,000 | 100,302,000 |
| Noninterest-bearing deposits | 28,286,000 | 26,897,000 | 28,993,000 | 29,350,000 |
| Equity capital | 19,393,000 | 20,199,000 | 20,206,000 | 20,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 3,252,000 | 4,888,000 | 6,611,000 |
| Interest expense | 225,000 | 460,000 | 701,000 | 976,000 |
| Net interest income | 1,354,000 | 2,792,000 | 4,187,000 | 5,635,000 |
| Noninterest income | 322,000 | 702,000 | 1,081,000 | 1,392,000 |
| Noninterest expense | 1,124,000 | 2,155,000 | 3,347,000 | 4,452,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 552,000 | 1,339,000 | 1,921,000 | 2,575,000 |
| Income tax | 1,000 | 1,000 | 4,000 | 4,000 |
| Net income | 551,000 | 1,338,000 | 1,917,000 | 2,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,643,000 | 20,430,000 | 20,565,000 | 21,041,000 |
| Total capital | 21,081,000 | 21,882,000 | 22,007,000 | 22,302,000 |
| Risk-weighted assets | 152,064,000 | 154,108,000 | 158,229,000 | 160,835,000 |