Call reports 2013
CONCORDIA BANK & TRUST COMPANY — 2013
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 526,906,000 | 514,584,000 | 526,978,000 | 537,516,000 |
| Total loans | 222,962,000 | 227,168,000 | 224,784,000 | 223,243,000 |
| Allowance for loan losses | 904,000 | 924,000 | 932,000 | 938,000 |
| Securities available for sale | 38,841,000 | 36,783,000 | 33,999,000 | 32,966,000 |
| Securities held to maturity | 166,815,000 | 171,093,000 | 177,743,000 | 196,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,481,000 | 433,549,000 | 443,664,000 | 455,783,000 |
| Interest-bearing deposits | 353,777,000 | 344,586,000 | 343,951,000 | 361,811,000 |
| Noninterest-bearing deposits | 90,705,000 | 88,963,000 | 99,712,000 | 93,972,000 |
| Equity capital | 57,501,000 | 58,236,000 | 59,069,000 | 60,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,262,000 | 8,413,000 | 12,616,000 | 16,760,000 |
| Interest expense | 799,000 | 1,569,000 | 2,306,000 | 3,016,000 |
| Net interest income | 3,463,000 | 6,844,000 | 10,310,000 | 13,744,000 |
| Noninterest income | 785,000 | 1,639,000 | 2,488,000 | 3,325,000 |
| Noninterest expense | 2,850,000 | 5,713,000 | 8,591,000 | 11,353,000 |
| Provision for loan losses | 1,000 | 72,000 | 134,000 | 255,000 |
| Pretax income | 1,408,000 | 2,712,000 | 4,087,000 | 5,474,000 |
| Income tax | -42,000 | -42,000 | -42,000 | -42,000 |
| Net income | 1,450,000 | 2,754,000 | 4,129,000 | 5,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,593,000 | 55,467,000 | 56,411,000 | 57,369,000 |
| Total capital | 55,586,000 | 56,473,000 | 57,422,000 | 58,402,000 |
| Risk-weighted assets | 250,249,000 | 253,037,000 | 254,247,000 | 256,132,000 |
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