Call reports 2013
BANDERA BANK — 2013
What BANDERA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 48,881,000 | 49,253,000 | 48,664,000 | 48,846,000 |
| Total loans | 26,171,000 | 26,909,000 | 27,266,000 | 26,676,000 |
| Allowance for loan losses | 431,000 | 432,000 | 427,000 | 426,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,500,000 | 2,750,000 | 3,250,000 | 3,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,044,000 | 43,331,000 | 42,690,000 | 42,867,000 |
| Interest-bearing deposits | 26,540,000 | 27,699,000 | 26,735,000 | 26,387,000 |
| Noninterest-bearing deposits | 16,504,000 | 15,632,000 | 15,955,000 | 16,480,000 |
| Equity capital | 5,798,000 | 5,839,000 | 5,910,000 | 5,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 899,000 | 1,398,000 | 1,862,000 |
| Interest expense | 31,000 | 60,000 | 86,000 | 109,000 |
| Net interest income | 404,000 | 839,000 | 1,312,000 | 1,753,000 |
| Noninterest income | 105,000 | 198,000 | 298,000 | 394,000 |
| Noninterest expense | 394,000 | 791,000 | 1,201,000 | 1,601,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 246,000 | 409,000 | 546,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 246,000 | 409,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,798,000 | 5,839,000 | 5,910,000 | 5,956,000 |
| Total capital | 6,057,000 | 6,099,000 | 6,177,000 | 6,223,000 |
| Risk-weighted assets | 20,579,000 | 20,696,000 | 21,203,000 | 21,182,000 |