Call reports 2022
CENDERA BANK — 2022
What CENDERA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 144,551,000 | 148,841,000 | 162,344,000 | 180,579,000 |
| Total loans | 108,972,000 | 128,302,000 | 140,705,000 | 139,579,000 |
| Allowance for loan losses | 1,470,000 | 1,500,000 | 1,561,000 | 1,391,000 |
| Securities available for sale | 978,000 | 9,767,000 | 9,599,000 | 9,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,366,000 | 130,820,000 | 134,772,000 | 153,894,000 |
| Interest-bearing deposits | 102,099,000 | 105,079,000 | 108,072,000 | 126,207,000 |
| Noninterest-bearing deposits | 24,267,000 | 25,741,000 | 26,700,000 | 27,687,000 |
| Equity capital | 17,953,000 | 17,774,000 | 17,325,000 | 17,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,695,000 | 3,525,000 | 5,472,000 | 7,732,000 |
| Interest expense | 242,000 | 492,000 | 894,000 | 1,543,000 |
| Net interest income | 1,453,000 | 3,033,000 | 4,578,000 | 6,189,000 |
| Noninterest income | 87,000 | 165,000 | 244,000 | 343,000 |
| Noninterest expense | 1,621,000 | 3,338,000 | 5,297,000 | 8,168,000 |
| Provision for loan losses | 144,000 | 174,000 | 234,000 | 294,000 |
| Pretax income | -225,000 | -314,000 | -709,000 | -1,930,000 |
| Income tax | -55,000 | -77,000 | -160,000 | -416,000 |
| Net income | -170,000 | -237,000 | -549,000 | -1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,969,000 | 17,902,000 | 17,591,000 | 17,451,000 |