Call reports 2003
CENDERA BANK — 2003
What CENDERA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,570,000 | 43,001,000 | 40,352,000 | 42,671,000 |
| Total loans | 19,904,000 | 19,220,000 | 18,354,000 | 18,099,000 |
| Allowance for loan losses | 169,000 | 166,000 | 164,000 | 192,000 |
| Securities available for sale | 1,028,000 | 12,849,000 | 16,053,000 | 15,416,000 |
| Securities held to maturity | 10,712,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,435,000 | 37,455,000 | 35,107,000 | 37,418,000 |
| Interest-bearing deposits | 29,514,000 | 30,341,000 | 29,050,000 | 30,355,000 |
| Noninterest-bearing deposits | 5,921,000 | 7,114,000 | 6,057,000 | 7,063,000 |
| Equity capital | 4,978,000 | 5,288,000 | 5,106,000 | 5,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,281,000 | 1,922,000 | 2,561,000 |
| Interest expense | 182,000 | 367,000 | 544,000 | 711,000 |
| Net interest income | 451,000 | 914,000 | 1,378,000 | 1,850,000 |
| Noninterest income | 103,000 | 229,000 | 319,000 | 407,000 |
| Noninterest expense | 332,000 | 747,000 | 1,213,000 | 1,742,000 |
| Provision for loan losses | 41,000 | 79,000 | 96,000 | 128,000 |
| Pretax income | 181,000 | 317,000 | 388,000 | 387,000 |
| Income tax | 61,000 | 94,000 | 116,000 | 87,000 |
| Net income | 120,000 | 223,000 | 272,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,959,000 | 5,062,000 | 5,111,000 | 5,139,000 |
| Total capital | 5,128,000 | 5,228,000 | 5,297,000 | 5,356,000 |
| Risk-weighted assets | 21,866,000 | 21,950,000 | 21,058,000 | 21,360,000 |