Call reports 2001
BANDERA BANK — 2001
What BANDERA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 23,364,000 | 23,076,000 | 22,615,000 | 22,903,000 |
| Total loans | 13,018,000 | 13,436,000 | 13,905,000 | 12,914,000 |
| Allowance for loan losses | 244,000 | 245,000 | 241,000 | 237,000 |
| Securities available for sale | 1,002,000 | 1,001,000 | 993,000 | 992,000 |
| Securities held to maturity | 2,979,000 | 2,974,000 | 4,000,000 | 3,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,681,000 | 20,355,000 | 19,827,000 | 20,095,000 |
| Interest-bearing deposits | 13,841,000 | 14,148,000 | 13,514,000 | 13,493,000 |
| Noninterest-bearing deposits | 6,840,000 | 6,207,000 | 6,313,000 | 6,602,000 |
| Equity capital | 2,614,000 | 2,656,000 | 2,700,000 | 2,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 437,000 | 869,000 | 1,286,000 | 1,666,000 |
| Interest expense | 133,000 | 268,000 | 385,000 | 478,000 |
| Net interest income | 304,000 | 601,000 | 901,000 | 1,188,000 |
| Noninterest income | 63,000 | 123,000 | 184,000 | 260,000 |
| Noninterest expense | 224,000 | 447,000 | 681,000 | 916,000 |
| Provision for loan losses | 9,000 | 17,000 | 17,000 | 24,000 |
| Pretax income | 134,000 | 260,000 | 387,000 | 508,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 133,000 | 259,000 | 385,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,609,000 | 2,655,000 | 2,701,000 | 2,741,000 |
| Total capital | 2,777,000 | 2,844,000 | 2,892,000 | 2,920,000 |
| Risk-weighted assets | 13,347,000 | 14,862,000 | 15,265,000 | 14,274,000 |