Call reports 2016
CONCORDIA BANK & TRUST COMPANY — 2016
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 518,495,000 | 506,458,000 | 511,061,000 | 515,466,000 |
| Total loans | 213,507,000 | 218,874,000 | 223,735,000 | 225,753,000 |
| Allowance for loan losses | 922,000 | 927,000 | 945,000 | 928,000 |
| Securities available for sale | 43,820,000 | 64,510,000 | 74,797,000 | 87,093,000 |
| Securities held to maturity | 202,395,000 | 177,123,000 | 163,633,000 | 154,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,563,000 | 425,067,000 | 428,769,000 | 436,489,000 |
| Interest-bearing deposits | 330,386,000 | 324,005,000 | 322,651,000 | 329,858,000 |
| Noninterest-bearing deposits | 105,176,000 | 101,062,000 | 106,118,000 | 106,631,000 |
| Equity capital | 62,440,000 | 62,273,000 | 63,686,000 | 60,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,233,000 | 8,439,000 | 12,727,000 | 17,001,000 |
| Interest expense | 513,000 | 1,010,000 | 1,508,000 | 2,006,000 |
| Net interest income | 3,720,000 | 7,429,000 | 11,219,000 | 14,995,000 |
| Noninterest income | 1,208,000 | 2,009,000 | 2,960,000 | 3,794,000 |
| Noninterest expense | 3,133,000 | 6,322,000 | 9,539,000 | 12,725,000 |
| Provision for loan losses | 1,000 | 18,000 | 37,000 | 62,000 |
| Pretax income | 1,799,000 | 3,146,000 | 4,706,000 | 6,223,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,799,000 | 3,146,000 | 4,706,000 | 6,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,257,000 | 59,779,000 | 60,854,000 | 60,525,000 |
| Total capital | 61,179,000 | 60,706,000 | 61,799,000 | 61,453,000 |
| Risk-weighted assets | 274,008,000 | 277,617,000 | 284,373,000 | 286,849,000 |