Call reports 2009
CONCORDIA BANK — 2009
What CONCORDIA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,142,000 | 47,455,000 | 45,894,000 | 47,355,000 |
| Total loans | 33,568,000 | 35,384,000 | 35,938,000 | 36,565,000 |
| Allowance for loan losses | 392,000 | 344,000 | 225,000 | 212,000 |
| Securities available for sale | 5,010,000 | 3,562,000 | 2,835,000 | 2,015,000 |
| Securities held to maturity | 2,327,000 | 2,465,000 | 2,955,000 | 2,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,457,000 | 40,741,000 | 40,587,000 | 42,008,000 |
| Interest-bearing deposits | 34,834,000 | 35,545,000 | 35,931,000 | 37,179,000 |
| Noninterest-bearing deposits | 4,623,000 | 5,196,000 | 4,656,000 | 4,829,000 |
| Equity capital | 5,058,000 | 5,059,000 | 5,139,000 | 5,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,327,000 | 1,991,000 | 2,650,000 |
| Interest expense | 160,000 | 317,000 | 479,000 | 633,000 |
| Net interest income | 509,000 | 1,010,000 | 1,512,000 | 2,017,000 |
| Noninterest income | 106,000 | 205,000 | 305,000 | 369,000 |
| Noninterest expense | 631,000 | 1,090,000 | 1,588,000 | 2,080,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -16,000 | 125,000 | 229,000 | 306,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | -16,000 | 123,000 | 227,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,978,000 | 4,987,000 | 5,091,000 | 5,168,000 |
| Total capital | 5,370,000 | 5,331,000 | 5,316,000 | 5,380,000 |
| Risk-weighted assets | 32,872,000 | 34,207,000 | 34,367,000 | 34,965,000 |
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