Call reports 2016
BANDERA BANK — 2016
What BANDERA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 58,358,000 | 57,950,000 | 58,866,000 | 58,077,000 |
| Total loans | 32,296,000 | 32,708,000 | 33,712,000 | 34,729,000 |
| Allowance for loan losses | 298,000 | 300,000 | 292,000 | 305,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,485,000 | 4,982,000 | 4,984,000 | 5,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,944,000 | 51,440,000 | 52,353,000 | 51,552,000 |
| Interest-bearing deposits | 29,978,000 | 29,767,000 | 30,252,000 | 30,811,000 |
| Noninterest-bearing deposits | 21,967,000 | 21,673,000 | 22,101,000 | 20,741,000 |
| Equity capital | 6,333,000 | 6,390,000 | 6,420,000 | 6,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,025,000 | 1,545,000 | 2,087,000 |
| Interest expense | 19,000 | 41,000 | 62,000 | 85,000 |
| Net interest income | 495,000 | 984,000 | 1,483,000 | 2,002,000 |
| Noninterest income | 112,000 | 206,000 | 303,000 | 395,000 |
| Noninterest expense | 429,000 | 854,000 | 1,300,000 | 1,734,000 |
| Provision for loan losses | 15,000 | 18,000 | 23,000 | 48,000 |
| Pretax income | 163,000 | 318,000 | 463,000 | 615,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 163,000 | 318,000 | 463,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,333,000 | 6,390,000 | 6,420,000 | 6,468,000 |
| Total capital | 6,631,000 | 6,690,000 | 6,712,000 | 6,773,000 |
| Risk-weighted assets | 24,440,000 | 24,607,000 | 25,527,000 | 26,494,000 |