Call reports 2019
BANDERA BANK — 2019
What BANDERA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 71,825,000 | 72,593,000 | 70,411,000 | 69,467,000 |
| Total loans | 38,032,000 | 38,069,000 | 37,014,000 | 36,954,000 |
| Allowance for loan losses | 336,000 | 335,000 | 349,000 | 343,000 |
| Securities available for sale | 0 | 0 | 0 | 512,000 |
| Securities held to maturity | 5,761,000 | 6,769,000 | 7,007,000 | 5,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,300,000 | 64,960,000 | 62,613,000 | 61,617,000 |
| Interest-bearing deposits | 32,865,000 | 34,346,000 | 33,503,000 | 34,506,000 |
| Noninterest-bearing deposits | 31,435,000 | 30,614,000 | 29,111,000 | 27,111,000 |
| Equity capital | 7,436,000 | 7,549,000 | 7,661,000 | 7,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,440,000 | 2,190,000 | 2,899,000 |
| Interest expense | 22,000 | 47,000 | 75,000 | 103,000 |
| Net interest income | 691,000 | 1,393,000 | 2,115,000 | 2,796,000 |
| Noninterest income | 111,000 | 219,000 | 331,000 | 440,000 |
| Noninterest expense | 503,000 | 998,000 | 1,502,000 | 2,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 299,000 | 614,000 | 944,000 | 1,231,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 299,000 | 614,000 | 944,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,436,000 | 7,549,000 | 7,661,000 | 7,748,000 |
| Total capital | 7,772,000 | 7,884,000 | 8,010,000 | 8,097,000 |
| Risk-weighted assets | 29,069,000 | 30,606,000 | 29,983,000 | 30,357,000 |
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