Call reports 2008
CENDERA BANK — 2008
What CENDERA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 46,570,000 | 45,143,000 | 41,627,000 | 43,053,000 |
| Total loans | 20,368,000 | 21,899,000 | 20,914,000 | 19,990,000 |
| Allowance for loan losses | 174,000 | 170,000 | 173,000 | 220,000 |
| Securities available for sale | 17,473,000 | 17,512,000 | 16,497,000 | 16,491,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,005,000 | 38,863,000 | 35,113,000 | 36,391,000 |
| Interest-bearing deposits | 32,150,000 | 30,005,000 | 27,646,000 | 27,962,000 |
| Noninterest-bearing deposits | 7,855,000 | 8,858,000 | 7,467,000 | 8,429,000 |
| Equity capital | 6,289,000 | 6,078,000 | 6,288,000 | 6,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 638,000 | 1,272,000 | 1,897,000 | 2,506,000 |
| Interest expense | 220,000 | 436,000 | 625,000 | 810,000 |
| Net interest income | 418,000 | 836,000 | 1,272,000 | 1,696,000 |
| Noninterest income | 65,000 | 136,000 | 211,000 | 280,000 |
| Noninterest expense | 417,000 | 843,000 | 1,236,000 | 1,646,000 |
| Provision for loan losses | 0 | -6,000 | 3,000 | 60,000 |
| Pretax income | 73,000 | 142,000 | 251,000 | 318,000 |
| Income tax | 19,000 | 37,000 | 69,000 | 86,000 |
| Net income | 54,000 | 105,000 | 182,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,201,000 | 6,252,000 | 6,329,000 | 6,379,000 |
| Total capital | 6,396,000 | 6,450,000 | 6,523,000 | 6,619,000 |
| Risk-weighted assets | 23,443,000 | 24,212,000 | 22,178,000 | 21,664,000 |
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