Call reports 2019
BANK OF ZUMBROTA — 2019
What BANK OF ZUMBROTA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 164,934,000 | 163,088,000 | 165,300,000 | 166,656,000 |
| Total loans | 121,591,000 | 125,739,000 | 127,117,000 | 125,904,000 |
| Allowance for loan losses | 1,423,000 | 1,526,000 | 1,565,000 | 1,595,000 |
| Securities available for sale | 25,114,000 | 26,314,000 | 25,289,000 | 25,068,000 |
| Securities held to maturity | 1,879,000 | 1,878,000 | 1,877,000 | 1,876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,629,000 | 132,646,000 | 133,858,000 | 135,070,000 |
| Interest-bearing deposits | 103,093,000 | 103,318,000 | 103,109,000 | 104,503,000 |
| Noninterest-bearing deposits | 31,536,000 | 29,328,000 | 30,749,000 | 30,567,000 |
| Equity capital | 20,654,000 | 21,368,000 | 22,048,000 | 21,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,714,000 | 3,508,000 | 5,436,000 | 7,228,000 |
| Interest expense | 290,000 | 623,000 | 951,000 | 1,303,000 |
| Net interest income | 1,424,000 | 2,885,000 | 4,485,000 | 5,925,000 |
| Noninterest income | 277,000 | 583,000 | 968,000 | 1,373,000 |
| Noninterest expense | 1,175,000 | 2,337,000 | 3,473,000 | 4,628,000 |
| Provision for loan losses | 150,000 | 225,000 | 225,000 | 225,000 |
| Pretax income | 376,000 | 906,000 | 1,755,000 | 2,445,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 373,000 | 903,000 | 1,752,000 | 2,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,514,000 | 20,962,000 | 21,554,000 | 21,132,000 |
| Total capital | 21,937,000 | 22,488,000 | 23,119,000 | 22,727,000 |
| Risk-weighted assets | 160,989,000 | 165,923,000 | 169,421,000 | 170,087,000 |