Call reports 2014
BANDERA BANK — 2014
What BANDERA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 50,536,000 | 50,797,000 | 50,404,000 | 51,066,000 |
| Total loans | 29,192,000 | 29,754,000 | 30,268,000 | 29,524,000 |
| Allowance for loan losses | 423,000 | 419,000 | 429,000 | 340,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,991,000 | 3,492,000 | 3,736,000 | 3,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,482,000 | 44,684,000 | 44,245,000 | 44,918,000 |
| Interest-bearing deposits | 28,442,000 | 28,383,000 | 28,530,000 | 28,436,000 |
| Noninterest-bearing deposits | 16,039,000 | 16,301,000 | 15,715,000 | 16,482,000 |
| Equity capital | 6,001,000 | 6,073,000 | 6,082,000 | 6,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 967,000 | 1,467,000 | 2,019,000 |
| Interest expense | 21,000 | 44,000 | 67,000 | 89,000 |
| Net interest income | 452,000 | 923,000 | 1,400,000 | 1,930,000 |
| Noninterest income | 105,000 | 206,000 | 303,000 | 398,000 |
| Noninterest expense | 419,000 | 822,000 | 1,248,000 | 1,666,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 80,000 |
| Pretax income | 138,000 | 307,000 | 410,000 | 582,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 307,000 | 410,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,001,000 | 6,073,000 | 6,082,000 | 6,123,000 |
| Total capital | 6,295,000 | 6,368,000 | 6,381,000 | 6,411,000 |
| Risk-weighted assets | 23,424,000 | 23,481,000 | 23,810,000 | 23,034,000 |