Call reports 2011
BANDERA BANK — 2011
What BANDERA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 43,799,000 | 44,105,000 | 45,560,000 | 45,153,000 |
| Total loans | 25,845,000 | 25,342,000 | 25,979,000 | 25,380,000 |
| Allowance for loan losses | 414,000 | 425,000 | 434,000 | 433,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,520,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,435,000 | 38,658,000 | 39,976,000 | 39,529,000 |
| Interest-bearing deposits | 25,466,000 | 25,263,000 | 26,401,000 | 25,418,000 |
| Noninterest-bearing deposits | 12,968,000 | 13,395,000 | 13,576,000 | 14,110,000 |
| Equity capital | 5,309,000 | 5,403,000 | 5,496,000 | 5,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,028,000 | 1,531,000 | 2,029,000 |
| Interest expense | 48,000 | 92,000 | 134,000 | 170,000 |
| Net interest income | 468,000 | 936,000 | 1,397,000 | 1,859,000 |
| Noninterest income | 108,000 | 217,000 | 343,000 | 444,000 |
| Noninterest expense | 404,000 | 821,000 | 1,218,000 | 1,632,000 |
| Provision for loan losses | 20,000 | 30,000 | 65,000 | 70,000 |
| Pretax income | 152,000 | 302,000 | 457,000 | 601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 302,000 | 457,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,309,000 | 5,403,000 | 5,496,000 | 5,578,000 |
| Total capital | 5,576,000 | 5,660,000 | 5,667,000 | 5,833,000 |
| Risk-weighted assets | 21,224,000 | 20,413,000 | 20,791,000 | 20,225,000 |