Call reports 2015
CONCORDIA BANK & TRUST COMPANY — 2015
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 535,789,000 | 522,775,000 | 518,941,000 | 524,259,000 |
| Total loans | 222,881,000 | 231,120,000 | 223,527,000 | 222,189,000 |
| Allowance for loan losses | 908,000 | 910,000 | 928,000 | 926,000 |
| Securities available for sale | 26,352,000 | 27,357,000 | 25,592,000 | 24,488,000 |
| Securities held to maturity | 213,664,000 | 213,353,000 | 214,750,000 | 219,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,928,000 | 441,583,000 | 437,071,000 | 444,045,000 |
| Interest-bearing deposits | 345,349,000 | 337,708,000 | 331,127,000 | 335,660,000 |
| Noninterest-bearing deposits | 109,580,000 | 103,876,000 | 105,944,000 | 108,386,000 |
| Equity capital | 61,211,000 | 60,991,000 | 61,961,000 | 61,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,149,000 | 8,343,000 | 12,613,000 | 16,878,000 |
| Interest expense | 610,000 | 1,187,000 | 1,740,000 | 2,264,000 |
| Net interest income | 3,539,000 | 7,156,000 | 10,873,000 | 14,614,000 |
| Noninterest income | 715,000 | 1,618,000 | 2,669,000 | 3,497,000 |
| Noninterest expense | 3,016,000 | 6,192,000 | 9,491,000 | 12,536,000 |
| Provision for loan losses | 4,000 | 9,000 | 35,000 | 53,000 |
| Pretax income | 1,241,000 | 2,597,000 | 4,053,000 | 5,559,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,241,000 | 2,597,000 | 4,053,000 | 5,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,557,000 | 58,369,000 | 59,427,000 | 58,931,000 |
| Total capital | 59,465,000 | 59,279,000 | 60,355,000 | 59,857,000 |
| Risk-weighted assets | 271,231,000 | 278,402,000 | 281,239,000 | 280,485,000 |