Call reports 2015
BANDERA BANK — 2015
What BANDERA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 53,218,000 | 53,618,000 | 58,726,000 | 56,662,000 |
| Total loans | 30,025,000 | 31,286,000 | 31,882,000 | 30,924,000 |
| Allowance for loan losses | 332,000 | 337,000 | 321,000 | 283,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,236,000 | 4,481,000 | 4,483,000 | 4,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,013,000 | 47,386,000 | 52,408,000 | 50,358,000 |
| Interest-bearing deposits | 29,096,000 | 28,747,000 | 31,777,000 | 29,029,000 |
| Noninterest-bearing deposits | 17,918,000 | 18,639,000 | 20,632,000 | 21,329,000 |
| Equity capital | 6,136,000 | 6,180,000 | 6,244,000 | 6,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 478,000 | 958,000 | 1,456,000 | 1,958,000 |
| Interest expense | 21,000 | 43,000 | 63,000 | 84,000 |
| Net interest income | 457,000 | 915,000 | 1,393,000 | 1,874,000 |
| Noninterest income | 99,000 | 193,000 | 288,000 | 379,000 |
| Noninterest expense | 414,000 | 827,000 | 1,239,000 | 1,693,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 142,000 | 281,000 | 442,000 | 560,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 142,000 | 281,000 | 442,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,136,000 | 6,180,000 | 6,244,000 | 6,267,000 |
| Total capital | 6,421,000 | 6,476,000 | 6,546,000 | 6,550,000 |
| Risk-weighted assets | 22,761,000 | 23,602,000 | 24,118,000 | 23,419,000 |