Call reports 2012
BANDERA BANK — 2012
What BANDERA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 46,796,000 | 45,609,000 | 46,895,000 | 48,525,000 |
| Total loans | 25,762,000 | 26,026,000 | 26,227,000 | 25,761,000 |
| Allowance for loan losses | 434,000 | 433,000 | 432,000 | 432,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 2,000,000 | 2,250,000 | 2,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,096,000 | 39,896,000 | 41,089,000 | 42,719,000 |
| Interest-bearing deposits | 25,970,000 | 25,475,000 | 26,219,000 | 26,598,000 |
| Noninterest-bearing deposits | 15,126,000 | 14,422,000 | 14,870,000 | 16,121,000 |
| Equity capital | 5,628,000 | 5,670,000 | 5,729,000 | 5,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 479,000 | 961,000 | 1,446,000 | 1,927,000 |
| Interest expense | 38,000 | 72,000 | 104,000 | 138,000 |
| Net interest income | 441,000 | 889,000 | 1,342,000 | 1,789,000 |
| Noninterest income | 121,000 | 219,000 | 322,000 | 423,000 |
| Noninterest expense | 397,000 | 791,000 | 1,195,000 | 1,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 317,000 | 469,000 | 605,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 165,000 | 317,000 | 469,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,628,000 | 5,670,000 | 5,729,000 | 5,774,000 |
| Total capital | 5,886,000 | 5,932,000 | 5,991,000 | 6,031,000 |
| Risk-weighted assets | 20,501,000 | 20,801,000 | 20,844,000 | 20,381,000 |