Call reports 2004
BANDERA BANK — 2004
What BANDERA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 26,415,000 | 27,770,000 | 28,427,000 | 29,747,000 |
| Total loans | 18,384,000 | 20,338,000 | 21,906,000 | 22,729,000 |
| Allowance for loan losses | 298,000 | 313,000 | 343,000 | 354,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,275,000 | 24,579,000 | 25,127,000 | 26,418,000 |
| Interest-bearing deposits | 15,209,000 | 15,371,000 | 15,462,000 | 16,943,000 |
| Noninterest-bearing deposits | 8,066,000 | 9,208,000 | 9,665,000 | 9,475,000 |
| Equity capital | 3,095,000 | 3,149,000 | 3,232,000 | 3,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 835,000 | 1,307,000 | 1,798,000 |
| Interest expense | 35,000 | 74,000 | 114,000 | 156,000 |
| Net interest income | 369,000 | 761,000 | 1,193,000 | 1,642,000 |
| Noninterest income | 88,000 | 175,000 | 266,000 | 349,000 |
| Noninterest expense | 305,000 | 634,000 | 960,000 | 1,298,000 |
| Provision for loan losses | 18,000 | 33,000 | 68,000 | 115,000 |
| Pretax income | 134,000 | 269,000 | 431,000 | 578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 134,000 | 269,000 | 431,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,095,000 | 3,149,000 | 3,232,000 | 3,300,000 |
| Total capital | 3,335,000 | 3,410,000 | 3,503,000 | 3,578,000 |
| Risk-weighted assets | 19,139,000 | 20,801,000 | 21,630,000 | 22,168,000 |