Call reports 2013
CENDERA BANK — 2013
What CENDERA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 47,842,000 | 46,872,000 | 52,775,000 | 54,238,000 |
| Total loans | 29,486,000 | 33,691,000 | 36,458,000 | 38,189,000 |
| Allowance for loan losses | 322,000 | 328,000 | 436,000 | 463,000 |
| Securities available for sale | 8,309,000 | 6,080,000 | 5,774,000 | 5,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,883,000 | 39,989,000 | 46,002,000 | 47,491,000 |
| Interest-bearing deposits | 33,044,000 | 32,091,000 | 38,106,000 | 39,185,000 |
| Noninterest-bearing deposits | 7,839,000 | 7,898,000 | 7,896,000 | 8,306,000 |
| Equity capital | 6,765,000 | 6,636,000 | 6,483,000 | 6,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,084,000 | 1,691,000 | 2,344,000 |
| Interest expense | 70,000 | 140,000 | 212,000 | 298,000 |
| Net interest income | 473,000 | 944,000 | 1,479,000 | 2,046,000 |
| Noninterest income | 63,000 | 132,000 | 217,000 | 300,000 |
| Noninterest expense | 502,000 | 1,016,000 | 1,654,000 | 2,276,000 |
| Provision for loan losses | 17,000 | 32,000 | 128,000 | 134,000 |
| Pretax income | 41,000 | 446,000 | 332,000 | 354,000 |
| Income tax | 0 | 123,000 | 123,000 | 94,000 |
| Net income | 41,000 | 323,000 | 209,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,492,000 | 6,774,000 | 6,660,000 | 6,710,000 |
| Total capital | 6,834,000 | 7,122,000 | 7,084,000 | 7,158,000 |
| Risk-weighted assets | 28,473,000 | 32,022,000 | 33,924,000 | 35,792,000 |
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