Call reports 2016
CENDERA BANK — 2016
What CENDERA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,319,000 | 76,885,000 | 78,088,000 | 80,556,000 |
| Total loans | 48,661,000 | 52,043,000 | 55,836,000 | 65,112,000 |
| Allowance for loan losses | 586,000 | 586,000 | 597,000 | 663,000 |
| Securities available for sale | 6,422,000 | 6,019,000 | 6,190,000 | 5,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,926,000 | 68,420,000 | 69,528,000 | 69,827,000 |
| Interest-bearing deposits | 51,435,000 | 53,778,000 | 53,548,000 | 53,385,000 |
| Noninterest-bearing deposits | 13,491,000 | 14,642,000 | 15,980,000 | 16,442,000 |
| Equity capital | 8,282,000 | 8,317,000 | 8,407,000 | 8,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,664,000 | 2,577,000 | 3,594,000 |
| Interest expense | 130,000 | 262,000 | 396,000 | 532,000 |
| Net interest income | 667,000 | 1,402,000 | 2,181,000 | 3,062,000 |
| Noninterest income | 55,000 | 116,000 | 179,000 | 235,000 |
| Noninterest expense | 737,000 | 1,533,000 | 2,257,000 | 3,010,000 |
| Provision for loan losses | 0 | 0 | 14,000 | 76,000 |
| Pretax income | -15,000 | -15,000 | 91,000 | 213,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -15,000 | -15,000 | 91,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,282,000 | 8,317,000 | 8,407,000 | 8,558,000 |
| Total capital | 8,803,000 | 8,863,000 | 8,980,000 | 9,197,000 |
| Risk-weighted assets | 41,592,000 | 43,616,000 | 45,788,000 | 51,063,000 |
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