Call reports 2014
CONCORDIA BANK — 2014
What CONCORDIA BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 59,743,000 | 58,372,000 | 58,829,000 | 56,898,000 |
| Total loans | 42,041,000 | 42,071,000 | 42,481,000 | 42,836,000 |
| Allowance for loan losses | 302,000 | 318,000 | 0 | 6,000 |
| Securities available for sale | 2,421,000 | 3,376,000 | 3,292,000 | 3,734,000 |
| Securities held to maturity | 3,701,000 | 3,688,000 | 3,667,000 | 3,654,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,919,000 | 52,419,000 | 51,391,000 | 49,465,000 |
| Interest-bearing deposits | 44,553,000 | 43,269,000 | 42,281,000 | 40,980,000 |
| Noninterest-bearing deposits | 9,365,000 | 9,150,000 | 9,110,000 | 8,486,000 |
| Equity capital | 5,728,000 | 5,855,000 | 6,618,000 | 6,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 659,000 | 1,298,000 | 1,940,000 | 2,567,000 |
| Interest expense | 43,000 | 88,000 | 131,000 | 182,000 |
| Net interest income | 616,000 | 1,210,000 | 1,809,000 | 2,385,000 |
| Noninterest income | 94,000 | 223,000 | 637,000 | 699,000 |
| Noninterest expense | 480,000 | 957,000 | 1,412,000 | 1,949,000 |
| Provision for loan losses | 23,000 | 38,000 | 38,000 | 44,000 |
| Pretax income | 207,000 | 438,000 | 996,000 | 1,091,000 |
| Income tax | 0 | 20,000 | 25,000 | 82,000 |
| Net income | 207,000 | 418,000 | 971,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,756,000 | 5,862,000 | 6,624,000 | 6,621,000 |
| Total capital | 6,058,000 | 6,180,000 | 6,624,000 | 6,627,000 |
| Risk-weighted assets | 43,863,000 | 43,133,000 | 44,143,000 | 43,793,000 |