Call reports 2018
BANDERA BANK — 2018
What BANDERA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 72,287,000 | 72,577,000 | 75,064,000 | 71,880,000 |
| Total loans | 35,844,000 | 38,549,000 | 37,359,000 | 36,917,000 |
| Allowance for loan losses | 318,000 | 336,000 | 343,000 | 335,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,517,000 | 6,267,000 | 6,762,000 | 6,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,269,000 | 65,463,000 | 67,757,000 | 64,496,000 |
| Interest-bearing deposits | 35,957,000 | 36,626,000 | 33,136,000 | 30,991,000 |
| Noninterest-bearing deposits | 29,312,000 | 28,837,000 | 34,622,000 | 33,505,000 |
| Equity capital | 6,935,000 | 7,038,000 | 7,195,000 | 7,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,302,000 | 1,996,000 | 2,709,000 |
| Interest expense | 24,000 | 50,000 | 73,000 | 95,000 |
| Net interest income | 591,000 | 1,252,000 | 1,923,000 | 2,614,000 |
| Noninterest income | 146,000 | 257,000 | 373,000 | 501,000 |
| Noninterest expense | 473,000 | 966,000 | 1,430,000 | 1,923,000 |
| Provision for loan losses | 2,000 | 17,000 | 27,000 | 47,000 |
| Pretax income | 262,000 | 526,000 | 839,000 | 1,145,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 526,000 | 839,000 | 1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,935,000 | 7,038,000 | 7,195,000 | 7,337,000 |
| Total capital | 7,253,000 | 7,373,000 | 7,538,000 | 7,672,000 |
| Risk-weighted assets | 26,855,000 | 29,884,000 | 28,917,000 | 27,754,000 |