Call reports 2017
CONCORDIA BANK — 2017
What CONCORDIA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 68,512,000 | 66,723,000 | 68,991,000 | 68,270,000 |
| Total loans | 43,351,000 | 44,195,000 | 44,483,000 | 46,494,000 |
| Allowance for loan losses | 291,000 | 252,000 | 256,000 | 280,000 |
| Securities available for sale | 5,020,000 | 5,371,000 | 4,939,000 | 4,743,000 |
| Securities held to maturity | 2,548,000 | 2,537,000 | 2,527,000 | 2,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,636,000 | 59,747,000 | 61,980,000 | 61,243,000 |
| Interest-bearing deposits | 47,427,000 | 45,368,000 | 45,587,000 | 45,762,000 |
| Noninterest-bearing deposits | 14,209,000 | 14,379,000 | 16,393,000 | 15,481,000 |
| Equity capital | 6,368,000 | 6,468,000 | 6,521,000 | 6,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 620,000 | 1,281,000 | 1,947,000 | 2,630,000 |
| Interest expense | 48,000 | 96,000 | 148,000 | 196,000 |
| Net interest income | 572,000 | 1,185,000 | 1,799,000 | 2,434,000 |
| Noninterest income | 109,000 | 206,000 | 290,000 | 388,000 |
| Noninterest expense | 593,000 | 1,161,000 | 1,747,000 | 2,357,000 |
| Provision for loan losses | 11,000 | 34,000 | 38,000 | 62,000 |
| Pretax income | 77,000 | 196,000 | 304,000 | 403,000 |
| Income tax | 30,000 | 76,000 | 115,000 | 26,000 |
| Net income | 47,000 | 120,000 | 189,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,137,000 | 6,225,000 | 6,308,000 | 6,510,000 |
| Total capital | 6,428,000 | 6,477,000 | 6,564,000 | 6,790,000 |
| Risk-weighted assets | 45,916,000 | 46,899,000 | 47,700,000 | 48,497,000 |