Call reports 2010
CONCORD BANK — 2010
What CONCORD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 153,380,000 | 153,695,000 | 139,746,000 | 148,073,000 |
| Total loans | 115,204,000 | 111,685,000 | 115,845,000 | 111,273,000 |
| Allowance for loan losses | 2,638,000 | 2,992,000 | 3,750,000 | 3,685,000 |
| Securities available for sale | 8,884,000 | 8,684,000 | 12,685,000 | 10,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,871,000 | 124,286,000 | 112,931,000 | 123,986,000 |
| Interest-bearing deposits | 113,407,000 | 115,867,000 | 103,764,000 | 115,036,000 |
| Noninterest-bearing deposits | 9,464,000 | 8,419,000 | 9,168,000 | 8,950,000 |
| Equity capital | 14,263,000 | 14,443,000 | 14,311,000 | 12,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,562,000 | 5,378,000 | 7,093,000 |
| Interest expense | 827,000 | 1,613,000 | 2,296,000 | 2,813,000 |
| Net interest income | 977,000 | 1,949,000 | 3,082,000 | 4,280,000 |
| Noninterest income | 46,000 | 13,000 | 78,000 | -1,171,000 |
| Noninterest expense | 666,000 | 1,074,000 | 1,826,000 | 2,787,000 |
| Provision for loan losses | 302,000 | 685,000 | 1,445,000 | 3,235,000 |
| Pretax income | 55,000 | 203,000 | -111,000 | -2,913,000 |
| Income tax | 3,000 | 33,000 | -112,000 | -1,044,000 |
| Net income | 52,000 | 170,000 | 1,000 | -1,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,870,000 | 13,020,000 | 12,995,000 | 10,329,000 |
| Total capital | 14,439,000 | 14,559,000 | 14,537,000 | 11,873,000 |
| Risk-weighted assets | 125,558,000 | 123,100,000 | 123,340,000 | 123,506,000 |
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