Call reports 2011
CONCORDIA BANK & TRUST COMPANY — 2011
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 498,295,000 | 489,896,000 | 507,613,000 | 516,630,000 |
| Total loans | 243,257,000 | 246,846,000 | 239,950,000 | 237,280,000 |
| Allowance for loan losses | 864,000 | 847,000 | 840,000 | 861,000 |
| Securities available for sale | 38,321,000 | 40,331,000 | 42,116,000 | 45,602,000 |
| Securities held to maturity | 107,434,000 | 98,121,000 | 110,120,000 | 132,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,580,000 | 405,179,000 | 419,896,000 | 432,429,000 |
| Interest-bearing deposits | 344,246,000 | 339,963,000 | 340,732,000 | 349,026,000 |
| Noninterest-bearing deposits | 67,334,000 | 65,215,000 | 79,164,000 | 83,403,000 |
| Equity capital | 54,979,000 | 54,552,000 | 55,749,000 | 56,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,206,000 | 10,353,000 | 15,488,000 | 20,470,000 |
| Interest expense | 1,239,000 | 2,483,000 | 3,686,000 | 4,827,000 |
| Net interest income | 3,967,000 | 7,870,000 | 11,802,000 | 15,643,000 |
| Noninterest income | 725,000 | 1,408,000 | 2,181,000 | 2,830,000 |
| Noninterest expense | 2,975,000 | 5,896,000 | 8,924,000 | 12,124,000 |
| Provision for loan losses | 34,000 | 49,000 | 118,000 | 162,000 |
| Pretax income | 1,683,000 | 3,333,000 | 4,941,000 | 6,187,000 |
| Income tax | 438,000 | 870,000 | 1,267,000 | 1,638,000 |
| Net income | 1,245,000 | 2,463,000 | 3,674,000 | 4,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,677,000 | 52,293,000 | 53,507,000 | 54,382,000 |
| Total capital | 53,637,000 | 53,227,000 | 54,386,000 | 55,295,000 |
| Risk-weighted assets | 249,739,000 | 252,571,000 | 251,384,000 | 254,463,000 |
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