Call reports 2015
CONCORDIA BANK — 2015
What CONCORDIA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 62,584,000 | 61,977,000 | 61,806,000 | 61,264,000 |
| Total loans | 42,672,000 | 44,827,000 | 46,697,000 | 47,981,000 |
| Allowance for loan losses | 15,000 | 24,000 | 42,000 | 484,000 |
| Securities available for sale | 3,150,000 | 2,519,000 | 2,915,000 | 2,783,000 |
| Securities held to maturity | 3,138,000 | 3,126,000 | 3,115,000 | 3,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,004,000 | 54,336,000 | 54,051,000 | 52,956,000 |
| Interest-bearing deposits | 45,234,000 | 44,077,000 | 43,396,000 | 43,375,000 |
| Noninterest-bearing deposits | 9,771,000 | 10,259,000 | 10,655,000 | 9,581,000 |
| Equity capital | 6,755,000 | 6,863,000 | 7,008,000 | 6,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,288,000 | 1,984,000 | 2,665,000 |
| Interest expense | 50,000 | 101,000 | 145,000 | 192,000 |
| Net interest income | 577,000 | 1,187,000 | 1,839,000 | 2,473,000 |
| Noninterest income | 97,000 | 218,000 | 318,000 | 364,000 |
| Noninterest expense | 489,000 | 1,008,000 | 1,533,000 | 2,099,000 |
| Provision for loan losses | 9,000 | 18,000 | 36,000 | 1,348,000 |
| Pretax income | 176,000 | 379,000 | 588,000 | -610,000 |
| Income tax | 65,000 | 140,000 | 218,000 | -257,000 |
| Net income | 111,000 | 239,000 | 370,000 | -353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,755,000 | 6,863,000 | 7,008,000 | 6,261,000 |
| Total capital | 6,770,000 | 6,887,000 | 7,050,000 | 6,745,000 |
| Risk-weighted assets | 3,602,000 | 47,317,000 | 50,911,000 | 52,678,000 |