Call reports 2011
CONCORDIA BANK — 2011
What CONCORDIA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 53,183,000 | 55,236,000 | 57,453,000 | 56,586,000 |
| Total loans | 37,952,000 | 43,660,000 | 44,739,000 | 46,586,000 |
| Allowance for loan losses | 384,000 | 398,000 | 420,000 | 316,000 |
| Securities available for sale | 3,137,000 | 2,735,000 | 1,268,000 | 2,206,000 |
| Securities held to maturity | 2,431,000 | 2,716,000 | 2,537,000 | 2,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,741,000 | 47,754,000 | 49,860,000 | 48,999,000 |
| Interest-bearing deposits | 40,871,000 | 40,548,000 | 42,768,000 | 41,571,000 |
| Noninterest-bearing deposits | 6,870,000 | 7,206,000 | 7,091,000 | 7,428,000 |
| Equity capital | 5,354,000 | 5,385,000 | 5,487,000 | 5,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 649,000 | 1,314,000 | 2,049,000 | 2,808,000 |
| Interest expense | 101,000 | 192,000 | 281,000 | 371,000 |
| Net interest income | 548,000 | 1,122,000 | 1,768,000 | 2,437,000 |
| Noninterest income | 93,000 | 195,000 | 296,000 | 396,000 |
| Noninterest expense | 468,000 | 935,000 | 1,396,000 | 1,906,000 |
| Provision for loan losses | 15,000 | 30,000 | 150,000 | 246,000 |
| Pretax income | 158,000 | 352,000 | 518,000 | 681,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 352,000 | 518,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,348,000 | 5,368,000 | 5,473,000 | 5,485,000 |
| Total capital | 5,732,000 | 5,766,000 | 5,893,000 | 5,801,000 |
| Risk-weighted assets | 36,576,000 | 41,458,000 | 42,971,000 | 43,954,000 |