Call reports 2019
CONCORDIA BANK — 2019
What CONCORDIA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 75,882,000 | 73,455,000 | 73,679,000 | 69,750,000 |
| Total loans | 54,189,000 | 55,875,000 | 56,017,000 | 55,161,000 |
| Allowance for loan losses | 353,000 | 353,000 | 354,000 | 349,000 |
| Securities available for sale | 6,991,000 | 6,779,000 | 6,496,000 | 5,717,000 |
| Securities held to maturity | 1,095,000 | 1,089,000 | 1,084,000 | 1,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,836,000 | 65,086,000 | 65,205,000 | 61,055,000 |
| Interest-bearing deposits | 53,477,000 | 51,278,000 | 51,219,000 | 49,453,000 |
| Noninterest-bearing deposits | 14,359,000 | 13,808,000 | 13,986,000 | 11,602,000 |
| Equity capital | 7,484,000 | 7,749,000 | 7,965,000 | 8,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 808,000 | 1,657,000 | 2,516,000 | 3,344,000 |
| Interest expense | 98,000 | 201,000 | 297,000 | 390,000 |
| Net interest income | 710,000 | 1,456,000 | 2,219,000 | 2,954,000 |
| Noninterest income | 67,000 | 169,000 | 295,000 | 416,000 |
| Noninterest expense | 607,000 | 1,222,000 | 1,823,000 | 2,433,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 3,000 |
| Pretax income | 169,000 | 402,000 | 689,000 | 934,000 |
| Income tax | 48,000 | 111,000 | 188,000 | 254,000 |
| Net income | 121,000 | 291,000 | 501,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,358,000 | 7,547,000 | 7,775,000 | 7,972,000 |
| Total capital | 7,711,000 | 7,900,000 | 8,129,000 | 8,321,000 |
| Risk-weighted assets | 60,419,000 | 60,372,000 | 59,312,000 | 58,527,000 |