Call reports 2010
CONCORDIA BANK & TRUST COMPANY — 2010
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 475,302,000 | 474,783,000 | 483,678,000 | 495,992,000 |
| Total loans | 254,370,000 | 259,873,000 | 256,519,000 | 252,514,000 |
| Allowance for loan losses | 951,000 | 914,000 | 821,000 | 825,000 |
| Securities available for sale | 35,253,000 | 35,574,000 | 37,436,000 | 39,056,000 |
| Securities held to maturity | 112,054,000 | 93,325,000 | 80,062,000 | 91,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,536,000 | 391,668,000 | 397,543,000 | 411,554,000 |
| Interest-bearing deposits | 334,789,000 | 333,238,000 | 334,810,000 | 343,964,000 |
| Noninterest-bearing deposits | 58,747,000 | 58,430,000 | 62,733,000 | 67,591,000 |
| Equity capital | 52,942,000 | 52,846,000 | 54,211,000 | 53,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,693,000 | 11,231,000 | 16,730,000 | 22,054,000 |
| Interest expense | 1,359,000 | 2,687,000 | 3,995,000 | 5,270,000 |
| Net interest income | 4,334,000 | 8,544,000 | 12,735,000 | 16,784,000 |
| Noninterest income | 728,000 | 1,460,000 | 2,164,000 | 2,937,000 |
| Noninterest expense | 2,835,000 | 5,682,000 | 8,499,000 | 11,654,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | 297,000 |
| Pretax income | 2,127,000 | 4,172,000 | 6,250,000 | 7,770,000 |
| Income tax | 615,000 | 1,209,000 | 1,831,000 | 2,229,000 |
| Net income | 1,512,000 | 2,963,000 | 4,419,000 | 5,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,604,000 | 50,455,000 | 51,912,000 | 51,434,000 |
| Total capital | 51,639,000 | 51,440,000 | 52,799,000 | 52,340,000 |
| Risk-weighted assets | 257,114,000 | 261,170,000 | 255,112,000 | 255,578,000 |
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