Call reports 2006
BANDERA BANK — 2006
What BANDERA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,676,000 | 34,197,000 | 35,496,000 | 37,267,000 |
| Total loans | 24,858,000 | 24,320,000 | 24,369,000 | 23,600,000 |
| Allowance for loan losses | 410,000 | 403,000 | 405,000 | 415,000 |
| 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 | 28,779,000 | 30,234,000 | 31,399,000 | 33,157,000 |
| Interest-bearing deposits | 17,945,000 | 18,734,000 | 19,085,000 | 19,123,000 |
| Noninterest-bearing deposits | 10,834,000 | 11,500,000 | 12,315,000 | 14,034,000 |
| Equity capital | 3,824,000 | 3,917,000 | 4,017,000 | 4,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,215,000 | 1,859,000 | 2,509,000 |
| Interest expense | 83,000 | 180,000 | 288,000 | 411,000 |
| Net interest income | 508,000 | 1,035,000 | 1,571,000 | 2,098,000 |
| Noninterest income | 86,000 | 170,000 | 253,000 | 337,000 |
| Noninterest expense | 376,000 | 748,000 | 1,132,000 | 1,536,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 40,000 |
| Pretax income | 218,000 | 457,000 | 682,000 | 859,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 457,000 | 682,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,824,000 | 3,917,000 | 4,017,000 | 4,067,000 |
| Total capital | 4,234,000 | 4,320,000 | 4,422,000 | 4,482,000 |
| Risk-weighted assets | 33,250,000 | 34,650,000 | 32,090,000 | 34,799,000 |