Call reports 2020
CENDERA BANK — 2020
What CENDERA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 112,402,000 | 125,836,000 | 124,986,000 | 120,289,000 |
| Total loans | 89,891,000 | 90,431,000 | 94,859,000 | 91,370,000 |
| Allowance for loan losses | 922,000 | 954,000 | 994,000 | 1,196,000 |
| Securities available for sale | 2,684,000 | 3,000 | 2,000 | 2,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,951,000 | 112,202,000 | 111,258,000 | 104,581,000 |
| Interest-bearing deposits | 85,560,000 | 95,407,000 | 95,503,000 | 87,947,000 |
| Noninterest-bearing deposits | 13,391,000 | 16,795,000 | 15,755,000 | 16,634,000 |
| Equity capital | 12,969,000 | 13,104,000 | 13,225,000 | 13,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,169,000 | 4,751,000 | 6,364,000 |
| Interest expense | 398,000 | 854,000 | 1,246,000 | 1,580,000 |
| Net interest income | 1,250,000 | 2,315,000 | 3,505,000 | 4,784,000 |
| Noninterest income | 57,000 | 200,000 | 267,000 | 332,000 |
| Noninterest expense | 1,087,000 | 2,057,000 | 3,125,000 | 4,084,000 |
| Provision for loan losses | 65,000 | 95,000 | 134,000 | 336,000 |
| Pretax income | 155,000 | 391,000 | 541,000 | 724,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 155,000 | 391,000 | 541,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,978,000 | 13,104,000 | 13,225,000 | 13,381,000 |
| Total capital | 13,918,000 | 14,076,000 | 14,237,000 | 14,388,000 |
| Risk-weighted assets | 78,097,000 | 80,308,000 | 82,585,000 | 80,360,000 |