Call reports 2008
CONCORDIA BANK — 2008
What CONCORDIA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 49,088,000 | 47,931,000 | 46,409,000 | 45,674,000 |
| Total loans | 33,623,000 | 31,499,000 | 31,250,000 | 32,414,000 |
| Allowance for loan losses | 414,000 | 414,000 | 404,000 | 397,000 |
| Securities available for sale | 3,616,000 | 6,818,000 | 6,343,000 | 5,239,000 |
| Securities held to maturity | 2,126,000 | 2,125,000 | 2,043,000 | 2,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,345,000 | 42,695,000 | 41,237,000 | 40,372,000 |
| Interest-bearing deposits | 38,223,000 | 37,162,000 | 36,330,000 | 34,614,000 |
| Noninterest-bearing deposits | 5,122,000 | 5,533,000 | 4,907,000 | 5,758,000 |
| Equity capital | 5,506,000 | 5,031,000 | 5,001,000 | 5,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,468,000 | 2,151,000 | 2,787,000 |
| Interest expense | 291,000 | 547,000 | 776,000 | 968,000 |
| Net interest income | 462,000 | 921,000 | 1,375,000 | 1,819,000 |
| Noninterest income | 116,000 | 252,000 | 352,000 | 467,000 |
| Noninterest expense | 451,000 | 923,000 | 1,455,000 | 1,920,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 250,000 | 272,000 | 366,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 127,000 | 248,000 | 270,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,406,000 | 5,027,000 | 4,983,000 | 5,079,000 |
| Total capital | 5,818,000 | 5,427,000 | 5,379,000 | 5,476,000 |
| Risk-weighted assets | 32,968,000 | 31,946,000 | 31,702,000 | 32,515,000 |
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