Call reports 2024
CONCORDIA BANK & TRUST COMPANY — 2024
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 675,952,000 | 660,962,000 | 654,395,000 | 641,634,000 |
| Total loans | 377,170,000 | 375,376,000 | 375,700,000 | 369,080,000 |
| Allowance for loan losses | 4,080,000 | 4,066,000 | 4,081,000 | 4,167,000 |
| Securities available for sale | 136,183,000 | 134,133,000 | 132,297,000 | 125,250,000 |
| Securities held to maturity | 108,789,000 | 106,371,000 | 101,548,000 | 94,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,837,000 | 553,175,000 | 555,276,000 | 565,332,000 |
| Interest-bearing deposits | 384,927,000 | 383,015,000 | 385,292,000 | 397,818,000 |
| Noninterest-bearing deposits | 184,910,000 | 170,160,000 | 169,984,000 | 167,514,000 |
| Equity capital | 57,028,000 | 56,668,000 | 61,395,000 | 57,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 7,275,000 | 14,892,000 | 22,685,000 | 30,325,000 |
| Interest expense | 2,655,000 | 5,576,000 | 8,469,000 | 11,178,000 |
| Net interest income | 4,620,000 | 9,316,000 | 14,216,000 | 19,147,000 |
| Noninterest income | 720,000 | 1,437,000 | 2,494,000 | 3,263,000 |
| Noninterest expense | 4,067,000 | 8,045,000 | 12,183,000 | 16,319,000 |
| Provision for loan losses | 133,000 | 134,000 | 172,000 | 312,000 |
| Pretax income | 1,347,000 | 2,740,000 | 4,624,000 | 6,253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,347,000 | 2,740,000 | 4,624,000 | 6,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,868,000 | 71,278,000 | 72,373,000 | 71,932,000 |