Call reports 2016
CONCORDIA BANK — 2016
What CONCORDIA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 65,059,000 | 63,295,000 | 63,462,000 | 62,133,000 |
| Total loans | 45,527,000 | 44,174,000 | 43,499,000 | 44,771,000 |
| Allowance for loan losses | 255,000 | 271,000 | 262,000 | 280,000 |
| Securities available for sale | 2,703,000 | 2,615,000 | 2,506,000 | 3,335,000 |
| Securities held to maturity | 2,861,000 | 2,541,000 | 3,044,000 | 2,783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,654,000 | 56,175,000 | 56,306,000 | 55,299,000 |
| Interest-bearing deposits | 46,297,000 | 46,282,000 | 43,357,000 | 44,160,000 |
| Noninterest-bearing deposits | 10,357,000 | 9,893,000 | 12,949,000 | 11,139,000 |
| Equity capital | 6,389,000 | 6,523,000 | 6,593,000 | 6,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,358,000 | 1,992,000 | 2,620,000 |
| Interest expense | 47,000 | 96,000 | 141,000 | 189,000 |
| Net interest income | 663,000 | 1,262,000 | 1,851,000 | 2,431,000 |
| Noninterest income | 98,000 | 202,000 | 299,000 | 370,000 |
| Noninterest expense | 570,000 | 1,078,000 | 1,640,000 | 2,235,000 |
| Provision for loan losses | 4,000 | 20,000 | 36,000 | 52,000 |
| Pretax income | 187,000 | 366,000 | 474,000 | 514,000 |
| Income tax | 80,000 | 137,000 | 177,000 | 191,000 |
| Net income | 107,000 | 229,000 | 297,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,375,000 | 6,269,000 | 6,431,000 | 6,224,000 |
| Total capital | 6,630,000 | 6,540,000 | 6,693,000 | 6,504,000 |
| Risk-weighted assets | 53,019,000 | 48,639,000 | 47,328,000 | 47,499,000 |