Call reports 2007
BANDERA BANK — 2007
What BANDERA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 38,024,000 | 38,468,000 | 39,326,000 | 37,905,000 |
| Total loans | 24,078,000 | 22,918,000 | 22,899,000 | 23,336,000 |
| Allowance for loan losses | 425,000 | 322,000 | 350,000 | 326,000 |
| 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 | 33,774,000 | 34,174,000 | 34,955,000 | 33,493,000 |
| Interest-bearing deposits | 20,953,000 | 20,484,000 | 20,593,000 | 21,043,000 |
| Noninterest-bearing deposits | 12,820,000 | 13,690,000 | 14,362,000 | 12,450,000 |
| Equity capital | 4,167,000 | 4,234,000 | 4,274,000 | 4,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,335,000 | 2,026,000 | 2,719,000 |
| Interest expense | 131,000 | 275,000 | 425,000 | 579,000 |
| Net interest income | 539,000 | 1,060,000 | 1,601,000 | 2,140,000 |
| Noninterest income | 95,000 | 181,000 | 264,000 | 355,000 |
| Noninterest expense | 388,000 | 793,000 | 1,237,000 | 1,682,000 |
| Provision for loan losses | 20,000 | 25,000 | 33,000 | 33,000 |
| Pretax income | 226,000 | 423,000 | 595,000 | 780,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 226,000 | 423,000 | 595,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,167,000 | 4,234,000 | 4,274,000 | 4,372,000 |
| Total capital | 4,592,000 | 4,556,000 | 4,624,000 | 4,698,000 |
| Risk-weighted assets | 37,077,000 | 37,241,000 | 36,653,000 | 35,302,000 |