Call reports 2023
BANDERA BANK — 2023
What BANDERA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 98,771,000 | 97,465,000 | 94,104,000 | 94,363,000 |
| Total loans | 47,882,000 | 47,806,000 | 47,227,000 | 47,344,000 |
| Allowance for loan losses | 349,000 | 382,000 | 400,000 | 390,000 |
| Securities available for sale | 6,135,000 | 5,953,000 | 5,505,000 | 5,764,000 |
| Securities held to maturity | 14,799,000 | 14,664,000 | 14,520,000 | 14,909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,378,000 | 88,819,000 | 85,470,000 | 85,031,000 |
| Interest-bearing deposits | 44,941,000 | 43,975,000 | 42,990,000 | 43,563,000 |
| Noninterest-bearing deposits | 45,437,000 | 44,844,000 | 42,480,000 | 41,468,000 |
| Equity capital | 8,145,000 | 8,431,000 | 8,373,000 | 8,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,080,000 | 2,234,000 | 3,388,000 | 4,562,000 |
| Interest expense | 41,000 | 112,000 | 207,000 | 327,000 |
| Net interest income | 1,039,000 | 2,122,000 | 3,181,000 | 4,235,000 |
| Noninterest income | 121,000 | 228,000 | 335,000 | 436,000 |
| Noninterest expense | 587,000 | 1,176,000 | 1,751,000 | 2,350,000 |
| Provision for loan losses | -1,000 | 35,000 | 55,000 | 51,000 |
| Pretax income | 581,000 | 1,158,000 | 1,733,000 | 2,293,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 581,000 | 1,158,000 | 1,733,000 | 2,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,235,000 | 9,547,000 | 9,772,000 | 9,982,000 |
| Total capital | 9,615,000 | 9,948,000 | — | — |
| Risk-weighted assets | 43,772,000 | 43,723,000 | — | — |