Call reports 2007
CONCORD BANK — 2007
What CONCORD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 157,356,000 | 158,332,000 | 151,452,000 | 157,532,000 |
| Total loans | 146,372,000 | 145,274,000 | 134,648,000 | 129,648,000 |
| Allowance for loan losses | 1,884,000 | 1,884,000 | 1,884,000 | 1,922,000 |
| Securities available for sale | 3,787,000 | 3,735,000 | 3,688,000 | 3,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,553,000 | 121,963,000 | 119,231,000 | 126,023,000 |
| Interest-bearing deposits | 114,766,000 | 112,667,000 | 110,068,000 | 112,560,000 |
| Noninterest-bearing deposits | 9,787,000 | 9,296,000 | 9,163,000 | 13,463,000 |
| Equity capital | 15,887,000 | 16,295,000 | 16,619,000 | 16,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,117,000 | 6,317,000 | 9,481,000 | 12,466,000 |
| Interest expense | 1,441,000 | 2,976,000 | 4,485,000 | 5,942,000 |
| Net interest income | 1,676,000 | 3,341,000 | 4,996,000 | 6,524,000 |
| Noninterest income | 95,000 | 206,000 | 305,000 | 371,000 |
| Noninterest expense | 519,000 | 1,003,000 | 1,543,000 | 2,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 876,000 |
| Pretax income | 1,252,000 | 2,544,000 | 3,758,000 | 3,989,000 |
| Income tax | 437,000 | 877,000 | 1,325,000 | 1,261,000 |
| Net income | 815,000 | 1,667,000 | 2,433,000 | 2,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,850,000 | 16,267,000 | 16,576,000 | 16,246,000 |
| Total capital | 17,679,000 | 18,139,000 | 18,319,000 | 18,020,000 |
| Risk-weighted assets | 146,236,000 | 149,759,000 | 139,311,000 | 141,777,000 |
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