Call reports 2021
BANK OF ZUMBROTA — 2021
What BANK OF ZUMBROTA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 193,433,000 | 200,568,000 | 203,642,000 | 220,161,000 |
| Total loans | 120,001,000 | 122,958,000 | 119,969,000 | 114,314,000 |
| Allowance for loan losses | 1,432,000 | 1,443,000 | 1,458,000 | 0 |
| Securities available for sale | 29,741,000 | 32,507,000 | 32,415,000 | 31,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,308,000 | 166,844,000 | 168,382,000 | 179,749,000 |
| Interest-bearing deposits | 114,542,000 | 123,077,000 | 123,014,000 | 131,648,000 |
| Noninterest-bearing deposits | 45,766,000 | 43,767,000 | 45,368,000 | 48,101,000 |
| Equity capital | 23,171,000 | 23,549,000 | 24,185,000 | 30,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,317,000 | 5,158,000 | 328,000 |
| Interest expense | 212,000 | 428,000 | 627,000 | 21,000 |
| Net interest income | 1,400,000 | 2,889,000 | 4,531,000 | 307,000 |
| Noninterest income | 467,000 | 848,000 | 1,230,000 | 65,000 |
| Noninterest expense | 1,084,000 | 2,252,000 | 3,335,000 | 206,000 |
| Provision for loan losses | -650,000 | -650,000 | -650,000 | 0 |
| Pretax income | 1,441,000 | 2,144,000 | 3,090,000 | 168,000 |
| Income tax | 0 | 1,000 | 4,000 | 0 |
| Net income | 1,441,000 | 2,143,000 | 3,086,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,497,000 | 22,927,000 | 23,602,000 | 16,645,000 |
| Total capital | 23,929,000 | 24,370,000 | 25,060,000 | 16,645,000 |
| Risk-weighted assets | 169,597,000 | 168,502,000 | 165,886,000 | 164,209,000 |