Call reports 2022
CONCORDIA BANK & TRUST COMPANY — 2022
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 632,315,000 | 667,095,000 | 662,387,000 | 686,658,000 |
| Total loans | 295,514,000 | 301,778,000 | 324,524,000 | 336,216,000 |
| Allowance for loan losses | 2,139,000 | 2,157,000 | 2,173,000 | 2,185,000 |
| Securities available for sale | 198,581,000 | 182,901,000 | 170,573,000 | 167,088,000 |
| Securities held to maturity | 49,303,000 | 97,883,000 | 112,075,000 | 117,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,421,000 | 596,658,000 | 596,936,000 | 618,759,000 |
| Interest-bearing deposits | 400,543,000 | 385,541,000 | 390,503,000 | 402,354,000 |
| Noninterest-bearing deposits | 153,879,000 | 211,117,000 | 206,433,000 | 216,405,000 |
| Equity capital | 59,303,000 | 50,855,000 | 48,349,000 | 51,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,742,000 | 9,967,000 | 15,975,000 | 22,461,000 |
| Interest expense | 480,000 | 941,000 | 1,546,000 | 2,376,000 |
| Net interest income | 4,262,000 | 9,026,000 | 14,429,000 | 20,085,000 |
| Noninterest income | 847,000 | 1,938,000 | 3,114,000 | 3,877,000 |
| Noninterest expense | 3,596,000 | 7,233,000 | 10,827,000 | 14,621,000 |
| Provision for loan losses | 7,000 | 18,000 | 37,000 | 45,000 |
| Pretax income | 1,288,000 | 3,272,000 | 6,147,000 | 8,997,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,288,000 | 3,272,000 | 6,147,000 | 8,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,125,000 | 66,170,000 | 68,392,000 | 69,284,000 |