Call reports 2012
CENDERA BANK — 2012
What CENDERA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 45,592,000 | 45,876,000 | 44,976,000 | 46,548,000 |
| Total loans | 20,679,000 | 24,336,000 | 27,593,000 | 27,569,000 |
| Allowance for loan losses | 259,000 | 287,000 | 302,000 | 317,000 |
| Securities available for sale | 16,899,000 | 14,106,000 | 11,299,000 | 9,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,664,000 | 38,970,000 | 37,972,000 | 39,622,000 |
| Interest-bearing deposits | 31,064,000 | 31,397,000 | 31,249,000 | 31,062,000 |
| Noninterest-bearing deposits | 7,600,000 | 7,573,000 | 6,723,000 | 8,560,000 |
| Equity capital | 6,692,000 | 6,690,000 | 6,752,000 | 6,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 910,000 | 1,445,000 | 1,985,000 |
| Interest expense | 85,000 | 167,000 | 246,000 | 321,000 |
| Net interest income | 356,000 | 743,000 | 1,199,000 | 1,664,000 |
| Noninterest income | 59,000 | 116,000 | 200,000 | 261,000 |
| Noninterest expense | 485,000 | 954,000 | 1,469,000 | 1,974,000 |
| Provision for loan losses | 0 | 11,000 | 26,000 | 41,000 |
| Pretax income | -70,000 | -18,000 | 60,000 | 98,000 |
| Income tax | 0 | 0 | 0 | -29,000 |
| Net income | -70,000 | -18,000 | 60,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,254,000 | 6,306,000 | 6,385,000 | 6,451,000 |
| Total capital | 6,533,000 | 6,613,000 | 6,706,000 | 6,788,000 |
| Risk-weighted assets | 23,728,000 | 25,663,000 | 27,859,000 | 27,189,000 |
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