Call reports 2014
CONCORDIA BANK & TRUST COMPANY — 2014
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 537,454,000 | 531,648,000 | 526,949,000 | 538,725,000 |
| Total loans | 221,300,000 | 223,838,000 | 221,663,000 | 223,336,000 |
| Allowance for loan losses | 920,000 | 930,000 | 925,000 | 909,000 |
| Securities available for sale | 31,737,000 | 30,549,000 | 28,624,000 | 27,565,000 |
| Securities held to maturity | 199,621,000 | 210,212,000 | 214,496,000 | 218,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,979,000 | 450,306,000 | 445,620,000 | 459,801,000 |
| Interest-bearing deposits | 353,220,000 | 348,581,000 | 343,165,000 | 353,753,000 |
| Noninterest-bearing deposits | 101,760,000 | 101,724,000 | 102,456,000 | 106,047,000 |
| Equity capital | 59,571,000 | 60,141,000 | 60,838,000 | 60,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,113,000 | 8,319,000 | 12,537,000 | 16,783,000 |
| Interest expense | 699,000 | 1,365,000 | 2,019,000 | 2,668,000 |
| Net interest income | 3,414,000 | 6,954,000 | 10,518,000 | 14,115,000 |
| Noninterest income | 790,000 | 1,628,000 | 2,550,000 | 3,366,000 |
| Noninterest expense | 2,950,000 | 6,230,000 | 9,465,000 | 12,440,000 |
| Provision for loan losses | 2,000 | 22,000 | 56,000 | 65,000 |
| Pretax income | 1,265,000 | 2,353,000 | 3,573,000 | 5,002,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,265,000 | 2,353,000 | 3,573,000 | 5,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,813,000 | 57,406,000 | 58,137,000 | 57,740,000 |
| Total capital | 57,841,000 | 58,439,000 | 59,173,000 | 58,767,000 |
| Risk-weighted assets | 257,737,000 | 262,894,000 | 260,458,000 | 264,752,000 |
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