Call reports 2021
CONCORDIA BANK & TRUST COMPANY — 2021
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 616,789,000 | 613,993,000 | 621,448,000 | 637,175,000 |
| Total loans | 305,802,000 | 311,144,000 | 309,159,000 | 301,906,000 |
| Allowance for loan losses | 1,638,000 | 1,737,000 | 1,735,000 | 2,124,000 |
| Securities available for sale | 190,301,000 | 205,868,000 | 205,121,000 | 211,669,000 |
| Securities held to maturity | 33,505,000 | 32,509,000 | 31,759,000 | 25,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 528,945,000 | 524,251,000 | 529,304,000 | 548,401,000 |
| Interest-bearing deposits | 380,240,000 | 372,485,000 | 367,404,000 | 378,934,000 |
| Noninterest-bearing deposits | 148,706,000 | 151,766,000 | 161,900,000 | 169,467,000 |
| Equity capital | 68,298,000 | 69,259,000 | 71,305,000 | 69,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,483,000 | 10,807,000 | 15,804,000 | 20,748,000 |
| Interest expense | 662,000 | 1,269,000 | 1,823,000 | 2,340,000 |
| Net interest income | 4,821,000 | 9,538,000 | 13,981,000 | 18,408,000 |
| Noninterest income | 650,000 | 1,476,000 | 4,029,000 | 4,725,000 |
| Noninterest expense | 3,523,000 | 7,025,000 | 10,670,000 | 14,251,000 |
| Provision for loan losses | 7,000 | 121,000 | 121,000 | 519,000 |
| Pretax income | 2,149,000 | 4,128,000 | 7,555,000 | 8,685,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,149,000 | 4,128,000 | 7,555,000 | 8,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,260,000 | 63,351,000 | 66,114,000 | 66,105,000 |