Call reports 2018
CONCORDIA BANK — 2018
What CONCORDIA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 76,071,000 | 77,500,000 | 70,363,000 | 74,151,000 |
| Total loans | 48,911,000 | 48,427,000 | 51,415,000 | 53,330,000 |
| Allowance for loan losses | 349,000 | 349,000 | 354,000 | 353,000 |
| Securities available for sale | 5,983,000 | 7,744,000 | 7,385,000 | 7,161,000 |
| Securities held to maturity | 1,122,000 | 1,117,000 | 1,111,000 | 1,106,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,959,000 | 70,125,000 | 62,780,000 | 66,313,000 |
| Interest-bearing deposits | 47,358,000 | 46,416,000 | 41,628,000 | 42,665,000 |
| Noninterest-bearing deposits | 21,601,000 | 23,709,000 | 21,152,000 | 23,648,000 |
| Equity capital | 6,723,000 | 6,900,000 | 7,063,000 | 7,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 714,000 | 1,487,000 | 2,281,000 | 3,087,000 |
| Interest expense | 52,000 | 107,000 | 158,000 | 234,000 |
| Net interest income | 662,000 | 1,380,000 | 2,123,000 | 2,853,000 |
| Noninterest income | 181,000 | 307,000 | 445,000 | 569,000 |
| Noninterest expense | 573,000 | 1,145,000 | 1,761,000 | 2,404,000 |
| Provision for loan losses | 70,000 | 69,000 | 70,000 | 70,000 |
| Pretax income | 200,000 | 473,000 | 737,000 | 948,000 |
| Income tax | 55,000 | 129,000 | 200,000 | 257,000 |
| Net income | 145,000 | 344,000 | 537,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,618,000 | 6,837,000 | 7,048,000 | 7,220,000 |
| Total capital | 6,967,000 | 7,186,000 | 7,402,000 | 7,573,000 |
| Risk-weighted assets | 51,918,000 | 55,895,000 | 57,226,000 | 59,063,000 |