Call reports 2009
BANDERA BANK — 2009
What BANDERA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 38,459,000 | 38,243,000 | 39,019,000 | 37,790,000 |
| Total loans | 23,362,000 | 23,396,000 | 23,314,000 | 24,414,000 |
| Allowance for loan losses | 296,000 | 316,000 | 320,000 | 393,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,000,000 | 5,000,000 | 7,500,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,678,000 | 33,402,000 | 34,089,000 | 32,933,000 |
| Interest-bearing deposits | 21,375,000 | 21,190,000 | 21,857,000 | 21,547,000 |
| Noninterest-bearing deposits | 12,303,000 | 12,213,000 | 12,232,000 | 11,386,000 |
| Equity capital | 4,708,000 | 4,775,000 | 4,830,000 | 4,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,136,000 | 1,725,000 | 2,272,000 |
| Interest expense | 97,000 | 185,000 | 269,000 | 348,000 |
| Net interest income | 471,000 | 951,000 | 1,456,000 | 1,924,000 |
| Noninterest income | 105,000 | 196,000 | 295,000 | 391,000 |
| Noninterest expense | 399,000 | 810,000 | 1,259,000 | 1,664,000 |
| Provision for loan losses | 21,000 | 42,000 | 71,000 | 176,000 |
| Pretax income | 156,000 | 295,000 | 421,000 | 475,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 295,000 | 421,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,708,000 | 4,775,000 | 4,830,000 | 4,811,000 |
| Total capital | 5,004,000 | 5,091,000 | 5,150,000 | 5,198,000 |
| Risk-weighted assets | 27,981,000 | 27,493,000 | 26,465,000 | 30,215,000 |