Call reports 2018
CONCORDIA BANK & TRUST COMPANY — 2018
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 504,295,000 | 490,446,000 | 497,996,000 | 506,469,000 |
| Total loans | 243,296,000 | 245,248,000 | 244,988,000 | 253,960,000 |
| Allowance for loan losses | 1,014,000 | 1,001,000 | 1,013,000 | 1,050,000 |
| Securities available for sale | 105,823,000 | 105,465,000 | 107,558,000 | 123,151,000 |
| Securities held to maturity | 112,305,000 | 100,875,000 | 90,043,000 | 77,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,909,000 | 412,255,000 | 417,259,000 | 424,049,000 |
| Interest-bearing deposits | 318,695,000 | 307,004,000 | 309,412,000 | 321,993,000 |
| Noninterest-bearing deposits | 106,214,000 | 105,251,000 | 107,847,000 | 102,056,000 |
| Equity capital | 60,756,000 | 60,076,000 | 60,566,000 | 61,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,460,000 | 8,972,000 | 13,654,000 | 18,484,000 |
| Interest expense | 547,000 | 1,154,000 | 1,914,000 | 2,809,000 |
| Net interest income | 3,913,000 | 7,818,000 | 11,740,000 | 15,675,000 |
| Noninterest income | 678,000 | 1,654,000 | 2,512,000 | 3,485,000 |
| Noninterest expense | 3,256,000 | 6,617,000 | 9,847,000 | 13,031,000 |
| Provision for loan losses | 44,000 | 184,000 | 263,000 | 310,000 |
| Pretax income | 1,315,000 | 2,695,000 | 4,168,000 | 5,845,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,315,000 | 2,695,000 | 4,168,000 | 5,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,347,000 | 60,910,000 | 61,900,000 | 61,761,000 |
| Total capital | 62,361,000 | 61,911,000 | 62,913,000 | 62,811,000 |
| Risk-weighted assets | 305,529,000 | 303,248,000 | 305,793,000 | 311,959,000 |