Call reports 2015
CENDERA BANK — 2015
What CENDERA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 62,751,000 | 69,114,000 | 70,649,000 | 70,148,000 |
| Total loans | 47,365,000 | 49,911,000 | 51,050,000 | 50,384,000 |
| Allowance for loan losses | 543,000 | 558,000 | 573,000 | 585,000 |
| Securities available for sale | 5,497,000 | 5,192,000 | 4,874,000 | 5,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,750,000 | 62,022,000 | 62,133,000 | 61,606,000 |
| Interest-bearing deposits | 45,636,000 | 50,261,000 | 48,985,000 | 49,515,000 |
| Noninterest-bearing deposits | 10,114,000 | 11,761,000 | 13,148,000 | 12,091,000 |
| Equity capital | 6,909,000 | 6,977,000 | 8,388,000 | 8,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 775,000 | 1,590,000 | 2,412,000 | 3,269,000 |
| Interest expense | 103,000 | 212,000 | 329,000 | 449,000 |
| Net interest income | 672,000 | 1,378,000 | 2,083,000 | 2,820,000 |
| Noninterest income | 66,000 | 104,000 | 174,000 | 237,000 |
| Noninterest expense | 645,000 | 1,318,000 | 1,989,000 | 2,700,000 |
| Provision for loan losses | 15,000 | 30,000 | 46,000 | 56,000 |
| Pretax income | 78,000 | 134,000 | 222,000 | 301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 134,000 | 222,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,077,000 | 6,977,000 | 8,388,000 | 8,457,000 |
| Total capital | 7,570,000 | 7,498,000 | 8,929,000 | 9,001,000 |
| Risk-weighted assets | 39,347,000 | 41,598,000 | 43,252,000 | 43,337,000 |