Call reports 2019
CONCORDIA BANK & TRUST COMPANY — 2019
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 507,448,000 | 519,503,000 | 523,759,000 | 533,363,000 |
| Total loans | 262,608,000 | 286,179,000 | 294,427,000 | 290,494,000 |
| Allowance for loan losses | 1,092,000 | 1,222,000 | 1,231,000 | 1,282,000 |
| Securities available for sale | 129,165,000 | 126,552,000 | 125,674,000 | 120,423,000 |
| Securities held to maturity | 70,347,000 | 64,777,000 | 58,984,000 | 53,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,602,000 | 420,207,000 | 422,367,000 | 444,832,000 |
| Interest-bearing deposits | 317,759,000 | 317,874,000 | 309,385,000 | 334,933,000 |
| Noninterest-bearing deposits | 103,842,000 | 102,333,000 | 112,982,000 | 109,899,000 |
| Equity capital | 64,087,000 | 65,376,000 | 67,099,000 | 66,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,952,000 | 10,126,000 | 15,461,000 | 20,666,000 |
| Interest expense | 941,000 | 1,997,000 | 3,176,000 | 4,293,000 |
| Net interest income | 4,011,000 | 8,129,000 | 12,285,000 | 16,373,000 |
| Noninterest income | 992,000 | 1,755,000 | 2,858,000 | 3,726,000 |
| Noninterest expense | 3,644,000 | 7,116,000 | 10,637,000 | 14,188,000 |
| Provision for loan losses | 46,000 | 187,000 | 395,000 | 469,000 |
| Pretax income | 1,391,000 | 2,749,000 | 4,342,000 | 5,826,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,391,000 | 2,749,000 | 4,342,000 | 5,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,191,000 | 62,721,000 | 63,825,000 | 63,481,000 |
| Total capital | 64,283,000 | 63,943,000 | 65,055,000 | 64,763,000 |
| Risk-weighted assets | 323,066,000 | 342,874,000 | 347,577,000 | 345,226,000 |