Call reports 2009
CENDERA BANK — 2009
What CENDERA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 37,672,000 | 39,190,000 | 40,766,000 | 42,791,000 |
| Total loans | 19,614,000 | 19,951,000 | 20,343,000 | 20,193,000 |
| Allowance for loan losses | 222,000 | 195,000 | 244,000 | 292,000 |
| Securities available for sale | 11,534,000 | 11,606,000 | 13,808,000 | 14,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,828,000 | 32,383,000 | 33,769,000 | 35,896,000 |
| Interest-bearing deposits | 25,364,000 | 26,573,000 | 28,110,000 | 29,269,000 |
| Noninterest-bearing deposits | 5,464,000 | 5,810,000 | 5,659,000 | 6,627,000 |
| Equity capital | 6,621,000 | 6,598,000 | 6,710,000 | 6,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 509,000 | 1,004,000 | 1,508,000 | 2,018,000 |
| Interest expense | 155,000 | 303,000 | 453,000 | 600,000 |
| Net interest income | 354,000 | 701,000 | 1,055,000 | 1,418,000 |
| Noninterest income | 85,000 | 140,000 | 203,000 | 233,000 |
| Noninterest expense | 409,000 | 844,000 | 1,238,000 | 1,649,000 |
| Provision for loan losses | -2,000 | 21,000 | 142,000 | 193,000 |
| Pretax income | 149,000 | 93,000 | -5,000 | -25,000 |
| Income tax | 32,000 | -9,000 | -14,000 | -97,000 |
| Net income | 117,000 | 102,000 | 9,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,497,000 | 6,481,000 | 6,387,000 | 6,451,000 |
| Total capital | 6,743,000 | 6,699,000 | 6,651,000 | 6,743,000 |
| Risk-weighted assets | 20,380,000 | 21,340,000 | 21,526,000 | 22,557,000 |
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