Call reports 2005
CENDERA BANK — 2005
What CENDERA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,139,000 | 41,375,000 | 42,093,000 | 41,744,000 |
| Total loans | 18,405,000 | 18,746,000 | 18,893,000 | 17,662,000 |
| Allowance for loan losses | 216,000 | 209,000 | 213,000 | 205,000 |
| Securities available for sale | 16,488,000 | 16,058,000 | 16,273,000 | 15,855,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,501,000 | 35,480,000 | 36,149,000 | 36,113,000 |
| Interest-bearing deposits | 28,968,000 | 29,186,000 | 29,181,000 | 28,681,000 |
| Noninterest-bearing deposits | 6,533,000 | 6,294,000 | 6,968,000 | 7,432,000 |
| Equity capital | 5,412,000 | 5,670,000 | 5,681,000 | 5,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,197,000 | 1,820,000 | 2,456,000 |
| Interest expense | 142,000 | 294,000 | 456,000 | 635,000 |
| Net interest income | 441,000 | 903,000 | 1,364,000 | 1,821,000 |
| Noninterest income | 238,000 | 321,000 | 410,000 | 492,000 |
| Noninterest expense | 375,000 | 780,000 | 1,203,000 | 1,679,000 |
| Provision for loan losses | 17,000 | 35,000 | 54,000 | 59,000 |
| Pretax income | 287,000 | 409,000 | 517,000 | 390,000 |
| Income tax | 97,000 | 139,000 | 177,000 | 130,000 |
| Net income | 190,000 | 270,000 | 340,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,654,000 | 5,734,000 | 5,804,000 | 5,723,000 |
| Total capital | 5,894,000 | 5,967,000 | 6,041,000 | 5,945,000 |
| Risk-weighted assets | 21,569,000 | 21,512,000 | 21,673,000 | 20,842,000 |
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