Call reports 2003
BANDERA BANK — 2003
What BANDERA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,077,000 | 26,265,000 | 25,409,000 | 25,985,000 |
| Total loans | 13,885,000 | 14,989,000 | 16,739,000 | 18,155,000 |
| Allowance for loan losses | 247,000 | 257,000 | 265,000 | 283,000 |
| Securities available for sale | 2,536,000 | 2,530,000 | 0 | 0 |
| Securities held to maturity | 2,000,000 | 0 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,100,000 | 23,258,000 | 22,372,000 | 22,917,000 |
| Interest-bearing deposits | 14,896,000 | 15,038,000 | 14,592,000 | 14,610,000 |
| Noninterest-bearing deposits | 7,204,000 | 8,220,000 | 7,780,000 | 8,307,000 |
| Equity capital | 2,936,000 | 2,969,000 | 2,993,000 | 3,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 369,000 | 739,000 | 1,112,000 | 1,507,000 |
| Interest expense | 51,000 | 97,000 | 139,000 | 177,000 |
| Net interest income | 318,000 | 642,000 | 973,000 | 1,330,000 |
| Noninterest income | 76,000 | 154,000 | 233,000 | 315,000 |
| Noninterest expense | 264,000 | 532,000 | 804,000 | 1,099,000 |
| Provision for loan losses | 12,000 | 23,000 | 39,000 | 57,000 |
| Pretax income | 118,000 | 241,000 | 376,000 | 502,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 241,000 | 376,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,903,000 | 2,941,000 | 2,993,000 | 3,040,000 |
| Total capital | 3,110,000 | 3,166,000 | 3,238,000 | 3,302,000 |
| Risk-weighted assets | 16,512,000 | 17,991,000 | 19,582,000 | 20,937,000 |