Call reports 2019
CENDERA BANK — 2019
What CENDERA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 98,659,000 | 102,950,000 | 105,641,000 | 108,754,000 |
| Total loans | 84,545,000 | 88,765,000 | 92,445,000 | 91,368,000 |
| Allowance for loan losses | 838,000 | 854,000 | 872,000 | 895,000 |
| Securities available for sale | 3,693,000 | 3,466,000 | 3,188,000 | 2,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,648,000 | 89,593,000 | 92,021,000 | 94,985,000 |
| Interest-bearing deposits | 69,868,000 | 70,925,000 | 76,144,000 | 82,204,000 |
| Noninterest-bearing deposits | 15,780,000 | 18,668,000 | 15,877,000 | 12,781,000 |
| Equity capital | 12,750,000 | 13,023,000 | 13,190,000 | 13,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,436,000 | 3,058,000 | 4,661,000 | 6,315,000 |
| Interest expense | 281,000 | 583,000 | 901,000 | 1,255,000 |
| Net interest income | 1,155,000 | 2,475,000 | 3,760,000 | 5,060,000 |
| Noninterest income | 58,000 | 130,000 | 193,000 | 254,000 |
| Noninterest expense | 960,000 | 1,972,000 | 2,989,000 | 3,934,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 176,000 |
| Pretax income | 238,000 | 603,000 | 919,000 | 1,204,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 603,000 | 919,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,843,000 | 13,055,000 | 13,220,000 | 13,361,000 |
| Total capital | 13,699,000 | 13,927,000 | 14,110,000 | 14,274,000 |
| Risk-weighted assets | 69,798,000 | 75,573,000 | 79,229,000 | 77,709,000 |