Call reports 2009
CONCORD BANK — 2009
What CONCORD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 160,001,000 | 147,594,000 | 144,056,000 | 148,231,000 |
| Total loans | 114,976,000 | 117,874,000 | 114,918,000 | 115,229,000 |
| Allowance for loan losses | 2,397,000 | 2,340,000 | 2,457,000 | 2,563,000 |
| Securities available for sale | 10,928,000 | 10,110,000 | 10,225,000 | 9,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,558,000 | 115,021,000 | 111,412,000 | 115,787,000 |
| Interest-bearing deposits | 114,433,000 | 105,371,000 | 103,360,000 | 105,969,000 |
| Noninterest-bearing deposits | 11,125,000 | 9,650,000 | 8,052,000 | 9,818,000 |
| Equity capital | 14,956,000 | 14,200,000 | 14,229,000 | 14,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,762,000 | 3,619,000 | 5,495,000 | 7,362,000 |
| Interest expense | 1,350,000 | 2,499,000 | 3,502,000 | 4,426,000 |
| Net interest income | 412,000 | 1,120,000 | 1,993,000 | 2,936,000 |
| Noninterest income | -611,000 | -435,000 | -441,000 | -595,000 |
| Noninterest expense | 707,000 | 1,570,000 | 2,369,000 | 3,096,000 |
| Provision for loan losses | 0 | 0 | 290,000 | 440,000 |
| Pretax income | -906,000 | -885,000 | -1,106,000 | -1,184,000 |
| Income tax | -321,000 | -329,000 | -429,000 | -502,000 |
| Net income | -585,000 | -556,000 | -677,000 | -682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,880,000 | 14,209,000 | 13,584,000 | 13,947,000 |
| Total capital | 16,496,000 | 15,792,000 | 15,113,000 | 15,509,000 |
| Risk-weighted assets | 129,276,000 | 126,629,000 | 122,306,000 | 124,928,000 |
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