Call reports 2008
BANDERA BANK — 2008
What BANDERA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,636,000 | 40,076,000 | 40,954,000 | 37,409,000 |
| Total loans | 23,315,000 | 22,738,000 | 23,588,000 | 23,404,000 |
| Allowance for loan losses | 311,000 | 274,000 | 237,000 | 279,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,046,000 | 2,033,000 | 2,020,000 | 7,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,087,000 | 35,531,000 | 36,306,000 | 32,815,000 |
| Interest-bearing deposits | 22,539,000 | 22,305,000 | 22,635,000 | 20,939,000 |
| Noninterest-bearing deposits | 13,549,000 | 13,226,000 | 13,671,000 | 11,877,000 |
| Equity capital | 4,474,000 | 4,494,000 | 4,556,000 | 4,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 643,000 | 1,246,000 | 1,850,000 | 2,453,000 |
| Interest expense | 153,000 | 291,000 | 420,000 | 533,000 |
| Net interest income | 490,000 | 955,000 | 1,430,000 | 1,920,000 |
| Noninterest income | 102,000 | 195,000 | 293,000 | 386,000 |
| Noninterest expense | 402,000 | 805,000 | 1,225,000 | 1,635,000 |
| Provision for loan losses | 0 | 0 | 0 | 65,000 |
| Pretax income | 190,000 | 345,000 | 498,000 | 606,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 190,000 | 345,000 | 498,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,474,000 | 4,494,000 | 4,556,000 | 4,552,000 |
| Total capital | 4,762,000 | 4,768,000 | 4,793,000 | 4,831,000 |
| Risk-weighted assets | 32,408,000 | 32,566,000 | 33,205,000 | 25,606,000 |