Call reports 2025
CONCORDIA BANK & TRUST COMPANY — 2025
What CONCORDIA BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 644,388,000 | 634,239,000 | 643,112,000 | 649,501,000 |
| Total loans | 368,340,000 | 370,890,000 | 356,065,000 | 368,283,000 |
| Allowance for loan losses | 4,146,000 | 4,253,000 | 3,735,000 | 3,900,000 |
| Securities available for sale | 123,291,000 | 116,469,000 | 115,277,000 | 113,882,000 |
| Securities held to maturity | 92,985,000 | 88,481,000 | 84,824,000 | 80,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 565,210,000 | 556,033,000 | 561,378,000 | 569,340,000 |
| Interest-bearing deposits | 396,721,000 | 385,340,000 | 387,454,000 | 400,306,000 |
| Noninterest-bearing deposits | 168,489,000 | 170,693,000 | 173,924,000 | 169,034,000 |
| Equity capital | 59,759,000 | 59,681,000 | 63,824,000 | 64,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,505,000 | 15,115,000 | 22,772,000 | 30,383,000 |
| Interest expense | 2,479,000 | 4,886,000 | 7,299,000 | 9,692,000 |
| Net interest income | 5,026,000 | 10,229,000 | 15,473,000 | 20,691,000 |
| Noninterest income | 738,000 | 1,407,000 | 2,133,000 | 2,959,000 |
| Noninterest expense | 4,136,000 | 8,253,000 | 12,607,000 | 17,167,000 |
| Provision for loan losses | 4,000 | 117,000 | 126,000 | 316,000 |
| Pretax income | 1,660,000 | 3,637,000 | 5,391,000 | 6,749,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,660,000 | 3,637,000 | 5,391,000 | 6,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,042,000 | 73,190,000 | 74,322,000 | 73,790,000 |