Call reports 2025
CONCORDIA BANK — 2025
What CONCORDIA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 121,454,000 | 123,560,000 | 127,809,000 | 127,511,000 |
| Total loans | 92,321,000 | 90,373,000 | 91,491,000 | 93,241,000 |
| Allowance for loan losses | 1,213,000 | 1,207,000 | 1,195,000 | 1,228,000 |
| Securities available for sale | 10,397,000 | 9,353,000 | 13,041,000 | 12,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,692,000 | 109,329,000 | 112,873,000 | 112,626,000 |
| Interest-bearing deposits | 84,186,000 | 84,522,000 | 88,022,000 | 88,988,000 |
| Noninterest-bearing deposits | 23,506,000 | 24,807,000 | 24,851,000 | 23,638,000 |
| Equity capital | 12,955,000 | 13,478,000 | 14,033,000 | 14,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,707,000 | 3,473,000 | 5,378,000 | 7,262,000 |
| Interest expense | 475,000 | 948,000 | 1,458,000 | 1,968,000 |
| Net interest income | 1,232,000 | 2,525,000 | 3,920,000 | 5,294,000 |
| Noninterest income | 156,000 | 303,000 | 444,000 | 578,000 |
| Noninterest expense | 842,000 | 1,682,000 | 2,540,000 | 3,460,000 |
| Provision for loan losses | 26,000 | 20,000 | 23,000 | 57,000 |
| Pretax income | 487,000 | 1,081,000 | 1,745,000 | 2,300,000 |
| Income tax | 115,000 | 257,000 | 415,000 | 544,000 |
| Net income | 372,000 | 824,000 | 1,330,000 | 1,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,421,000 | 13,900,000 | 14,379,000 | 14,417,000 |