Call reports 2023
CENDERA BANK — 2023
What CENDERA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 180,612,000 | 181,992,000 | 182,011,000 | 184,946,000 |
| Total loans | 139,824,000 | 143,130,000 | 145,467,000 | 148,675,000 |
| Allowance for loan losses | 1,663,000 | 1,697,000 | 1,697,000 | 1,699,000 |
| Securities available for sale | 10,435,000 | 10,450,000 | 9,485,000 | 9,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,871,000 | 144,962,000 | 146,180,000 | 153,536,000 |
| Interest-bearing deposits | 124,786,000 | 124,297,000 | 125,334,000 | 133,620,000 |
| Noninterest-bearing deposits | 22,085,000 | 20,665,000 | 20,846,000 | 19,916,000 |
| Equity capital | 16,687,000 | 19,571,000 | 24,655,000 | 25,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,369,000 | 4,910,000 | 7,598,000 | 10,536,000 |
| Interest expense | 826,000 | 1,822,000 | 2,917,000 | 4,089,000 |
| Net interest income | 1,543,000 | 3,088,000 | 4,681,000 | 6,447,000 |
| Noninterest income | 76,000 | 150,000 | 212,000 | 276,000 |
| Noninterest expense | 2,027,000 | 3,950,000 | 5,575,000 | 7,358,000 |
| Provision for loan losses | 40,000 | 74,000 | 74,000 | 74,000 |
| Pretax income | -448,000 | -755,000 | -725,000 | -678,000 |
| Income tax | -310,000 | -374,000 | -367,000 | -357,000 |
| Net income | -138,000 | -381,000 | -358,000 | -321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,096,000 | 19,977,000 | 25,035,000 | 25,395,000 |
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