Call reports 2007
CENDERA BANK — 2007
What CENDERA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,178,000 | 40,472,000 | 39,802,000 | 41,015,000 |
| Total loans | 17,844,000 | 18,803,000 | 19,215,000 | 20,435,000 |
| Allowance for loan losses | 147,000 | 158,000 | 161,000 | 170,000 |
| Securities available for sale | 16,932,000 | 16,220,000 | 16,776,000 | 16,688,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,081,000 | 34,497,000 | 33,548,000 | 34,682,000 |
| Interest-bearing deposits | 26,708,000 | 26,280,000 | 26,837,000 | 26,827,000 |
| Noninterest-bearing deposits | 7,373,000 | 8,217,000 | 6,711,000 | 7,855,000 |
| Equity capital | 5,940,000 | 5,799,000 | 6,052,000 | 6,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,265,000 | 1,909,000 | 2,562,000 |
| Interest expense | 210,000 | 427,000 | 648,000 | 872,000 |
| Net interest income | 407,000 | 838,000 | 1,261,000 | 1,690,000 |
| Noninterest income | 74,000 | 149,000 | 221,000 | 295,000 |
| Noninterest expense | 385,000 | 783,000 | 1,182,000 | 1,614,000 |
| Provision for loan losses | 22,000 | 44,000 | 61,000 | 115,000 |
| Pretax income | 74,000 | 160,000 | 239,000 | 256,000 |
| Income tax | 19,000 | 42,000 | 63,000 | 65,000 |
| Net income | 55,000 | 118,000 | 176,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,109,000 | 6,172,000 | 6,230,000 | 6,147,000 |
| Total capital | 6,279,000 | 6,354,000 | 6,415,000 | 6,343,000 |
| Risk-weighted assets | 20,272,000 | 21,130,000 | 21,302,000 | 22,421,000 |
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