Call reports 2008
CONCORD BANK — 2008
What CONCORD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 150,434,000 | 143,354,000 | 152,696,000 | 190,853,000 |
| Total loans | 127,011,000 | 122,754,000 | 120,639,000 | 114,619,000 |
| Allowance for loan losses | 1,696,000 | 2,053,000 | 2,890,000 | 2,427,000 |
| Securities available for sale | 2,738,000 | 2,599,000 | 2,287,000 | 29,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,737,000 | 107,374,000 | 122,085,000 | 155,789,000 |
| Interest-bearing deposits | 109,968,000 | 96,077,000 | 110,817,000 | 147,776,000 |
| Noninterest-bearing deposits | 8,769,000 | 11,297,000 | 11,268,000 | 8,013,000 |
| Equity capital | 16,827,000 | 16,668,000 | 15,101,000 | 15,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,505,000 | 4,825,000 | 6,995,000 | 9,136,000 |
| Interest expense | 1,319,000 | 2,472,000 | 3,611,000 | 5,072,000 |
| Net interest income | 1,186,000 | 2,353,000 | 3,384,000 | 4,064,000 |
| Noninterest income | 107,000 | 233,000 | -1,229,000 | -2,349,000 |
| Noninterest expense | 482,000 | 1,202,000 | 1,886,000 | 2,697,000 |
| Provision for loan losses | 0 | 367,000 | 2,067,000 | 2,067,000 |
| Pretax income | 811,000 | 1,017,000 | -2,298,000 | -3,549,000 |
| Income tax | 290,000 | 432,000 | 255,000 | -1,424,000 |
| Net income | 521,000 | 585,000 | -2,553,000 | -2,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,719,000 | 16,569,000 | 15,083,000 | 15,510,000 |
| Total capital | 18,415,000 | 18,267,000 | 16,743,000 | 17,227,000 |
| Risk-weighted assets | 139,811,000 | 135,468,000 | 131,533,000 | 137,136,000 |
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