Call reports 2005
BANDERA BANK — 2005
What BANDERA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 30,710,000 | 32,413,000 | 33,729,000 | 32,932,000 |
| Total loans | 24,220,000 | 24,944,000 | 25,448,000 | 25,172,000 |
| Allowance for loan losses | 394,000 | 424,000 | 426,000 | 417,000 |
| 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 | 27,252,000 | 28,860,000 | 30,025,000 | 29,191,000 |
| Interest-bearing deposits | 16,441,000 | 16,344,000 | 13,668,000 | 17,269,000 |
| Noninterest-bearing deposits | 10,811,000 | 12,516,000 | 16,357,000 | 11,922,000 |
| Equity capital | 3,395,000 | 3,493,000 | 3,606,000 | 3,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,064,000 | 1,656,000 | 2,263,000 |
| Interest expense | 46,000 | 100,000 | 164,000 | 240,000 |
| Net interest income | 470,000 | 964,000 | 1,492,000 | 2,023,000 |
| Noninterest income | 94,000 | 181,000 | 271,000 | 357,000 |
| Noninterest expense | 350,000 | 717,000 | 1,126,000 | 1,576,000 |
| Provision for loan losses | 36,000 | 66,000 | 79,000 | 79,000 |
| Pretax income | 178,000 | 362,000 | 558,000 | 725,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 362,000 | 558,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,395,000 | 3,493,000 | 3,606,000 | 3,690,000 |
| Total capital | 3,698,000 | 3,802,000 | 3,924,000 | 4,107,000 |
| Risk-weighted assets | 24,146,000 | 24,612,000 | 25,345,000 | 33,642,000 |