Call reports 2002
CENDERA BANK — 2002
What CENDERA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 38,467,000 | 38,212,000 | 38,722,000 | 39,261,000 |
| Total loans | 21,267,000 | 20,303,000 | 20,023,000 | 20,184,000 |
| Allowance for loan losses | 187,000 | 198,000 | 217,000 | 193,000 |
| Securities available for sale | 2,595,000 | 2,326,000 | 2,314,000 | 2,297,000 |
| Securities held to maturity | 6,105,000 | 7,416,000 | 8,000,000 | 8,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,642,000 | 33,281,000 | 33,726,000 | 34,255,000 |
| Interest-bearing deposits | 27,546,000 | 27,309,000 | 28,141,000 | 28,132,000 |
| Noninterest-bearing deposits | 6,096,000 | 5,972,000 | 5,585,000 | 6,123,000 |
| Equity capital | 4,730,000 | 4,825,000 | 4,890,000 | 4,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 682,000 | 1,339,000 | 2,003,000 | 2,666,000 |
| Interest expense | 206,000 | 385,000 | 570,000 | 760,000 |
| Net interest income | 476,000 | 954,000 | 1,433,000 | 1,906,000 |
| Noninterest income | -275,000 | -181,000 | -85,000 | 12,000 |
| Noninterest expense | 373,000 | 811,000 | 1,278,000 | 1,824,000 |
| Provision for loan losses | 38,000 | 97,000 | 132,000 | 165,000 |
| Pretax income | -210,000 | -135,000 | -62,000 | -71,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -210,000 | -135,000 | -62,000 | -71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,700,000 | 4,775,000 | 4,848,000 | 4,839,000 |
| Total capital | 4,887,000 | 4,973,000 | 5,065,000 | 5,032,000 |
| Risk-weighted assets | 22,080,000 | 21,450,000 | 21,426,000 | 21,959,000 |
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