Call reports 2020
CONCORDIA BANK & TRUST COMPANY — 2020
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 552,431,000 | 580,482,000 | 570,364,000 | 592,098,000 |
| Total loans | 295,235,000 | 313,945,000 | 302,419,000 | 311,267,000 |
| Allowance for loan losses | 1,325,000 | 1,477,000 | 1,526,000 | 1,631,000 |
| Securities available for sale | 146,834,000 | 152,855,000 | 153,188,000 | 159,685,000 |
| Securities held to maturity | 41,835,000 | 39,218,000 | 36,858,000 | 35,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,145,000 | 491,112,000 | 479,425,000 | 502,607,000 |
| Interest-bearing deposits | 347,399,000 | 347,250,000 | 347,900,000 | 354,249,000 |
| Noninterest-bearing deposits | 114,745,000 | 143,861,000 | 131,525,000 | 148,358,000 |
| Equity capital | 68,835,000 | 67,429,000 | 68,812,000 | 69,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,161,000 | 10,846,000 | 15,829,000 | 20,696,000 |
| Interest expense | 1,079,000 | 1,973,000 | 2,730,000 | 3,439,000 |
| Net interest income | 4,082,000 | 8,873,000 | 13,099,000 | 17,257,000 |
| Noninterest income | 787,000 | 1,322,000 | 2,205,000 | 2,929,000 |
| Noninterest expense | 3,570,000 | 7,194,000 | 10,822,000 | 14,367,000 |
| Provision for loan losses | 144,000 | 301,000 | 415,000 | 560,000 |
| Pretax income | 774,000 | 2,363,000 | 3,740,000 | 5,167,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 774,000 | 2,363,000 | 3,740,000 | 5,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,636,000 | 60,746,000 | 61,615,000 | 61,814,000 |