Call reports 2022
BANDERA BANK — 2022
What BANDERA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 97,313,000 | 98,784,000 | 105,251,000 | 101,175,000 |
| Total loans | 38,944,000 | 44,211,000 | 45,398,000 | 45,975,000 |
| Allowance for loan losses | 310,000 | 334,000 | 352,000 | 377,000 |
| Securities available for sale | 7,385,000 | 6,686,000 | 6,065,000 | 6,163,000 |
| Securities held to maturity | 14,853,000 | 14,701,000 | 14,567,000 | 15,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,613,000 | 91,371,000 | 97,927,000 | 93,301,000 |
| Interest-bearing deposits | 45,691,000 | 45,244,000 | 47,523,000 | 45,986,000 |
| Noninterest-bearing deposits | 43,922,000 | 46,127,000 | 50,404,000 | 47,315,000 |
| Equity capital | 7,552,000 | 7,277,000 | 7,144,000 | 7,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,313,000 | 2,191,000 | 3,235,000 |
| Interest expense | 24,000 | 46,000 | 68,000 | 95,000 |
| Net interest income | 570,000 | 1,267,000 | 2,123,000 | 3,140,000 |
| Noninterest income | 120,000 | 238,000 | 343,000 | 455,000 |
| Noninterest expense | 537,000 | 1,082,000 | 1,651,000 | 2,211,000 |
| Provision for loan losses | 0 | 30,000 | 50,000 | 85,000 |
| Pretax income | 153,000 | 393,000 | 768,000 | 1,302,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 153,000 | 393,000 | 768,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,239,000 | 8,367,000 | 8,628,000 | 8,923,000 |
| Total capital | — | — | 8,980,000 | 9,300,000 |
| Risk-weighted assets | — | — | 40,413,000 | 41,409,000 |