Call reports 2020
BANDERA BANK — 2020
What BANDERA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 71,259,000 | 76,405,000 | 75,515,000 | 75,081,000 |
| Total loans | 36,862,000 | 38,290,000 | 38,638,000 | 38,046,000 |
| Allowance for loan losses | 348,000 | 339,000 | 343,000 | 340,000 |
| Securities available for sale | 2,539,000 | 2,298,000 | 2,435,000 | 7,816,000 |
| Securities held to maturity | 6,423,000 | 6,952,000 | 8,131,000 | 4,244,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,399,000 | 68,212,000 | 67,083,000 | 67,071,000 |
| Interest-bearing deposits | 35,366,000 | 34,208,000 | 33,723,000 | 34,622,000 |
| Noninterest-bearing deposits | 28,033,000 | 34,005,000 | 33,360,000 | 32,449,000 |
| Equity capital | 7,750,000 | 7,767,000 | 7,737,000 | 7,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,259,000 | 1,850,000 | 2,476,000 |
| Interest expense | 28,000 | 54,000 | 78,000 | 101,000 |
| Net interest income | 628,000 | 1,205,000 | 1,772,000 | 2,375,000 |
| Noninterest income | 104,000 | 182,000 | 274,000 | 370,000 |
| Noninterest expense | 494,000 | 994,000 | 1,523,000 | 2,041,000 |
| Provision for loan losses | 5,000 | 7,000 | 7,000 | 7,000 |
| Pretax income | 233,000 | 386,000 | 516,000 | 697,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 233,000 | 386,000 | 516,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,781,000 | 7,733,000 | 7,727,000 | 7,822,000 |
| Total capital | 8,129,000 | — | — | — |
| Risk-weighted assets | 29,019,000 | — | — | — |