Call reports 2022
CONCORDIA BANK — 2022
What CONCORDIA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 106,988,000 | 106,679,000 | 103,630,000 | 101,743,000 |
| Total loans | 66,201,000 | 72,221,000 | 71,810,000 | 72,112,000 |
| Allowance for loan losses | 758,000 | 759,000 | 758,000 | 758,000 |
| Securities available for sale | 8,528,000 | 11,434,000 | 12,154,000 | 13,188,000 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,022,000 | 96,634,000 | 93,587,000 | 91,261,000 |
| Interest-bearing deposits | 72,805,000 | 72,179,000 | 69,040,000 | 67,924,000 |
| Noninterest-bearing deposits | 24,217,000 | 24,455,000 | 24,547,000 | 23,337,000 |
| Equity capital | 9,596,000 | 9,631,000 | 9,568,000 | 10,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,849,000 | 2,910,000 | 4,039,000 |
| Interest expense | 61,000 | 124,000 | 186,000 | 263,000 |
| Net interest income | 817,000 | 1,725,000 | 2,724,000 | 3,776,000 |
| Noninterest income | 152,000 | 311,000 | 468,000 | 627,000 |
| Noninterest expense | 660,000 | 1,320,000 | 2,001,000 | 2,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 309,000 | 716,000 | 1,191,000 | 1,631,000 |
| Income tax | 83,000 | 190,000 | 313,000 | 433,000 |
| Net income | 226,000 | 526,000 | 878,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,180,000 | 10,480,000 | 10,832,000 | 10,900,000 |