Call reports 2021
CENDERA BANK — 2021
What CENDERA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 127,606,000 | 127,138,000 | 136,200,000 | 143,083,000 |
| Total loans | 94,166,000 | 103,509,000 | 112,944,000 | 111,771,000 |
| Allowance for loan losses | 1,256,000 | 1,287,000 | 1,311,000 | 1,337,000 |
| Securities available for sale | 1,000 | 0 | 500,000 | 492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,893,000 | 108,601,000 | 117,574,000 | 124,390,000 |
| Interest-bearing deposits | 95,206,000 | 89,238,000 | 97,076,000 | 102,664,000 |
| Noninterest-bearing deposits | 18,687,000 | 19,363,000 | 20,498,000 | 21,726,000 |
| Equity capital | 12,839,000 | 17,979,000 | 18,047,000 | 18,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 3,110,000 | 4,868,000 | 6,609,000 |
| Interest expense | 304,000 | 598,000 | 866,000 | 1,115,000 |
| Net interest income | 1,166,000 | 2,512,000 | 4,002,000 | 5,494,000 |
| Noninterest income | 63,000 | 141,000 | 226,000 | 294,000 |
| Noninterest expense | 1,383,000 | 2,621,000 | 4,080,000 | 5,488,000 |
| Provision for loan losses | 30,000 | 60,000 | 94,000 | 121,000 |
| Pretax income | -184,000 | -28,000 | 54,000 | 179,000 |
| Income tax | 0 | 16,000 | 30,000 | 63,000 |
| Net income | -184,000 | -44,000 | 24,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,839,000 | 17,980,000 | 18,047,000 | 18,140,000 |
| Total capital | 13,896,000 | 19,132,000 | 19,331,000 | — |
| Risk-weighted assets | 84,409,000 | 91,969,000 | 102,732,000 | — |