Call reports 2020
BANK OF ZUMBROTA — 2020
What BANK OF ZUMBROTA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 168,155,000 | 183,166,000 | 181,383,000 | 186,507,000 |
| Total loans | 128,093,000 | 133,290,000 | 129,924,000 | 120,432,000 |
| Allowance for loan losses | 1,673,000 | 1,716,000 | 1,991,000 | 2,066,000 |
| Securities available for sale | 22,175,000 | 21,879,000 | 21,471,000 | 33,446,000 |
| Securities held to maturity | 475,000 | 475,000 | 475,000 | 295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,392,000 | 150,220,000 | 148,112,000 | 152,589,000 |
| Interest-bearing deposits | 104,378,000 | 108,948,000 | 107,044,000 | 111,738,000 |
| Noninterest-bearing deposits | 33,014,000 | 41,272,000 | 41,068,000 | 40,851,000 |
| Equity capital | 21,419,000 | 22,257,000 | 23,061,000 | 23,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,838,000 | 3,601,000 | 5,431,000 | 7,211,000 |
| Interest expense | 319,000 | 605,000 | 858,000 | 1,101,000 |
| Net interest income | 1,519,000 | 2,996,000 | 4,573,000 | 6,110,000 |
| Noninterest income | 344,000 | 928,000 | 1,548,000 | 1,939,000 |
| Noninterest expense | 1,144,000 | 2,340,000 | 3,366,000 | 4,677,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 719,000 | 1,592,000 | 2,764,000 | 3,384,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 718,000 | 1,591,000 | 2,763,000 | 3,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,949,000 | 21,364,000 | 22,116,000 | 22,343,000 |
| Total capital | 22,622,000 | 23,080,000 | 24,107,000 | 24,409,000 |
| Risk-weighted assets | 173,947,000 | 179,282,000 | 174,578,000 | 168,266,000 |