Call reports 2002
BANDERA BANK — 2002
What BANDERA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 23,939,000 | 24,254,000 | 24,857,000 | 25,380,000 |
| Total loans | 12,476,000 | 12,552,000 | 12,572,000 | 13,084,000 |
| Allowance for loan losses | 238,000 | 238,000 | 247,000 | 240,000 |
| Securities available for sale | 996,000 | 3,011,000 | 3,036,000 | 2,543,000 |
| Securities held to maturity | 3,017,000 | 4,005,000 | 3,002,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,108,000 | 21,375,000 | 21,904,000 | 22,439,000 |
| Interest-bearing deposits | 13,983,000 | 14,464,000 | 14,461,000 | 14,623,000 |
| Noninterest-bearing deposits | 7,125,000 | 6,911,000 | 7,443,000 | 7,816,000 |
| Equity capital | 2,770,000 | 2,819,000 | 2,885,000 | 2,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 722,000 | 1,092,000 | 1,452,000 |
| Interest expense | 74,000 | 140,000 | 202,000 | 263,000 |
| Net interest income | 282,000 | 582,000 | 890,000 | 1,189,000 |
| Noninterest income | 65,000 | 134,000 | 201,000 | 267,000 |
| Noninterest expense | 235,000 | 477,000 | 717,000 | 970,000 |
| Provision for loan losses | 0 | 3,000 | 13,000 | 26,000 |
| Pretax income | 112,000 | 236,000 | 361,000 | 460,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 112,000 | 234,000 | 358,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,771,000 | 2,811,000 | 2,853,000 | 2,868,000 |
| Total capital | 2,952,000 | 3,004,000 | 3,050,000 | 3,034,000 |
| Risk-weighted assets | 14,428,000 | 15,424,000 | 15,739,000 | 13,186,000 |