Call reports 2008
CONCORDIA BANK & TRUST COMPANY — 2008
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 476,585,000 | 471,642,000 | 483,701,000 | 491,199,000 |
| Total loans | 250,614,000 | 256,092,000 | 254,052,000 | 254,360,000 |
| Allowance for loan losses | 1,547,000 | 1,524,000 | 1,394,000 | 693,000 |
| Securities available for sale | 43,838,000 | 41,407,000 | 37,033,000 | 42,963,000 |
| Securities held to maturity | 129,494,000 | 133,761,000 | 138,703,000 | 145,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,341,000 | 394,839,000 | 398,904,000 | 407,758,000 |
| Interest-bearing deposits | 330,439,000 | 334,500,000 | 335,292,000 | 342,175,000 |
| Noninterest-bearing deposits | 62,903,000 | 60,340,000 | 63,612,000 | 65,583,000 |
| Equity capital | 47,653,000 | 46,990,000 | 48,432,000 | 47,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,911,000 | 13,547,000 | 20,250,000 | 26,693,000 |
| Interest expense | 3,155,000 | 6,145,000 | 8,994,000 | 11,523,000 |
| Net interest income | 3,756,000 | 7,402,000 | 11,256,000 | 15,170,000 |
| Noninterest income | 562,000 | 1,105,000 | 1,651,000 | 2,473,000 |
| Noninterest expense | 2,453,000 | 4,888,000 | 7,365,000 | 10,141,000 |
| Provision for loan losses | 105,000 | 175,000 | 175,000 | 485,000 |
| Pretax income | 1,760,000 | 3,444,000 | 5,367,000 | 7,017,000 |
| Income tax | 530,000 | 1,038,000 | 1,581,000 | 1,985,000 |
| Net income | 1,230,000 | 2,406,000 | 3,786,000 | 5,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,715,000 | 45,290,000 | 46,670,000 | 46,267,000 |
| Total capital | 47,341,000 | 46,860,000 | 48,136,000 | 46,981,000 |
| Risk-weighted assets | 265,189,000 | 268,080,000 | 267,497,000 | 269,942,000 |
Machine access — free, no API key
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