Call reports 2009
CONCORDIA BANK & TRUST COMPANY — 2009
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 489,486,000 | 467,158,000 | 469,891,000 | 486,633,000 |
| Total loans | 256,588,000 | 265,070,000 | 266,364,000 | 259,603,000 |
| Allowance for loan losses | 608,000 | 653,000 | 1,041,000 | 880,000 |
| Securities available for sale | 44,408,000 | 38,649,000 | 35,833,000 | 35,427,000 |
| Securities held to maturity | 136,736,000 | 127,988,000 | 121,685,000 | 119,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,616,000 | 387,689,000 | 387,672,000 | 405,129,000 |
| Interest-bearing deposits | 340,007,000 | 331,125,000 | 331,162,000 | 340,639,000 |
| Noninterest-bearing deposits | 60,609,000 | 56,564,000 | 56,510,000 | 64,490,000 |
| Equity capital | 49,711,000 | 49,418,000 | 51,630,000 | 51,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,240,000 | 12,386,000 | 18,585,000 | 24,594,000 |
| Interest expense | 2,132,000 | 4,027,000 | 5,684,000 | 7,165,000 |
| Net interest income | 4,108,000 | 8,359,000 | 12,901,000 | 17,429,000 |
| Noninterest income | 588,000 | 1,155,000 | 2,069,000 | 2,690,000 |
| Noninterest expense | 2,692,000 | 5,723,000 | 8,418,000 | 11,404,000 |
| Provision for loan losses | 70,000 | 170,000 | 170,000 | 320,000 |
| Pretax income | 1,934,000 | 3,621,000 | 6,382,000 | 8,395,000 |
| Income tax | 541,000 | 1,016,000 | 1,725,000 | 2,322,000 |
| Net income | 1,393,000 | 2,605,000 | 4,657,000 | 6,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,659,000 | 47,270,000 | 49,325,000 | 49,090,000 |
| Total capital | 48,279,000 | 47,962,000 | 50,446,000 | 50,037,000 |
| Risk-weighted assets | 266,595,000 | 267,595,000 | 270,688,000 | 264,374,000 |
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