Call reports 2010
BANDERA BANK — 2010
What BANDERA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 41,563,000 | 42,071,000 | 43,226,000 | 42,844,000 |
| Total loans | 24,030,000 | 24,401,000 | 24,814,000 | 25,378,000 |
| Allowance for loan losses | 430,000 | 453,000 | 415,000 | 443,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 3,520,000 | 3,520,000 | 3,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,558,000 | 36,978,000 | 38,025,000 | 37,575,000 |
| Interest-bearing deposits | 24,135,000 | 23,593,000 | 24,438,000 | 24,623,000 |
| Noninterest-bearing deposits | 12,424,000 | 13,385,000 | 13,587,000 | 12,952,000 |
| Equity capital | 4,938,000 | 5,039,000 | 5,112,000 | 5,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,054,000 | 1,571,000 | 2,094,000 |
| Interest expense | 76,000 | 142,000 | 206,000 | 269,000 |
| Net interest income | 476,000 | 912,000 | 1,365,000 | 1,825,000 |
| Noninterest income | 105,000 | 205,000 | 299,000 | 397,000 |
| Noninterest expense | 409,000 | 807,000 | 1,211,000 | 1,629,000 |
| Provision for loan losses | 30,000 | 52,000 | 62,000 | 92,000 |
| Pretax income | 142,000 | 258,000 | 391,000 | 501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 142,000 | 258,000 | 391,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,938,000 | 5,039,000 | 5,112,000 | 5,222,000 |
| Total capital | 5,368,000 | 5,444,000 | 5,527,000 | 5,638,000 |
| Risk-weighted assets | 33,711,000 | 32,366,000 | 33,069,000 | 32,495,000 |