Call reports 2012
CONCORDIA BANK — 2012
What CONCORDIA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,425,000 | 63,093,000 | 61,284,000 | 64,185,000 |
| Total loans | 44,802,000 | 43,024,000 | 43,146,000 | 43,501,000 |
| Allowance for loan losses | 349,000 | 350,000 | 350,000 | 351,000 |
| Securities available for sale | 2,627,000 | 2,560,000 | 2,968,000 | 2,342,000 |
| Securities held to maturity | 2,502,000 | 3,043,000 | 3,990,000 | 4,489,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,722,000 | 55,169,000 | 54,186,000 | 57,102,000 |
| Interest-bearing deposits | 45,694,000 | 46,702,000 | 45,563,000 | 48,372,000 |
| Noninterest-bearing deposits | 8,029,000 | 8,467,000 | 8,623,000 | 8,730,000 |
| Equity capital | 5,574,000 | 5,841,000 | 6,002,000 | 5,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,468,000 | 2,163,000 | 2,869,000 |
| Interest expense | 82,000 | 162,000 | 229,000 | 292,000 |
| Net interest income | 655,000 | 1,306,000 | 1,934,000 | 2,577,000 |
| Noninterest income | 34,000 | 162,000 | 289,000 | 400,000 |
| Noninterest expense | 447,000 | 932,000 | 1,422,000 | 2,027,000 |
| Provision for loan losses | 37,000 | 37,000 | 37,000 | 37,000 |
| Pretax income | 205,000 | 499,000 | 764,000 | 913,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 499,000 | 764,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,569,000 | 5,829,000 | 5,977,000 | 5,967,000 |
| Total capital | 5,918,000 | 6,179,000 | 6,327,000 | 6,318,000 |
| Risk-weighted assets | 43,787,000 | 43,915,000 | 43,155,000 | 43,832,000 |