Call reports 2013
CONCORDIA BANK — 2013
What CONCORDIA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 64,269,000 | 61,950,000 | 58,269,000 | 55,391,000 |
| Total loans | 43,108,000 | 44,543,000 | 44,261,000 | 43,683,000 |
| Allowance for loan losses | 352,000 | 352,000 | 339,000 | 333,000 |
| Securities available for sale | 1,716,000 | 2,085,000 | 1,995,000 | 1,940,000 |
| Securities held to maturity | 4,235,000 | 4,222,000 | 4,135,000 | 4,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,952,000 | 54,715,000 | 52,238,000 | 49,407,000 |
| Interest-bearing deposits | 48,729,000 | 46,546,000 | 43,186,000 | 41,483,000 |
| Noninterest-bearing deposits | 8,223,000 | 8,169,000 | 9,052,000 | 7,924,000 |
| Equity capital | 5,945,000 | 6,153,000 | 5,918,000 | 5,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,408,000 | 2,099,000 | 2,779,000 |
| Interest expense | 58,000 | 113,000 | 160,000 | 206,000 |
| Net interest income | 646,000 | 1,295,000 | 1,939,000 | 2,573,000 |
| Noninterest income | 114,000 | 222,000 | 320,000 | 410,000 |
| Noninterest expense | 461,000 | 921,000 | 1,405,000 | 1,997,000 |
| Provision for loan losses | 0 | 12,000 | 12,000 | 12,000 |
| Pretax income | 299,000 | 584,000 | 842,000 | 974,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 299,000 | 584,000 | 842,000 | 974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,930,000 | 6,181,000 | 5,958,000 | 5,928,000 |
| Total capital | 6,282,000 | 6,533,000 | 6,297,000 | 6,261,000 |
| Risk-weighted assets | 43,888,000 | 44,520,000 | 44,138,000 | 43,761,000 |