Call reports 2012
CONCORD BANK — 2012
What CONCORD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 157,411,000 | 163,086,000 | 165,764,000 | 156,285,000 |
| Total loans | 119,218,000 | 119,899,000 | 115,349,000 | 115,305,000 |
| Allowance for loan losses | 3,127,000 | 2,947,000 | 2,644,000 | 2,781,000 |
| Securities available for sale | 6,914,000 | 6,435,000 | 6,081,000 | 5,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,477,000 | 147,849,000 | 150,409,000 | 143,126,000 |
| Interest-bearing deposits | 132,689,000 | 138,032,000 | 140,400,000 | 130,355,000 |
| Noninterest-bearing deposits | 9,788,000 | 9,817,000 | 10,009,000 | 12,771,000 |
| Equity capital | 13,580,000 | 13,801,000 | 13,923,000 | 11,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,376,000 | 5,020,000 | 6,620,000 |
| Interest expense | 469,000 | 943,000 | 1,409,000 | 1,830,000 |
| Net interest income | 1,250,000 | 2,433,000 | 3,611,000 | 4,790,000 |
| Noninterest income | -103,000 | -147,000 | -224,000 | -2,867,000 |
| Noninterest expense | 838,000 | 1,650,000 | 2,507,000 | 3,429,000 |
| Provision for loan losses | 88,000 | 115,000 | 168,000 | 293,000 |
| Pretax income | 302,000 | 602,000 | 793,000 | -1,718,000 |
| Income tax | 100,000 | 203,000 | 263,000 | -112,000 |
| Net income | 202,000 | 399,000 | 530,000 | -1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,841,000 | 12,211,000 | 12,412,000 | 9,580,000 |
| Total capital | 13,447,000 | 13,828,000 | 13,969,000 | 11,113,000 |
| Risk-weighted assets | 128,499,000 | 129,374,000 | 124,578,000 | 122,612,000 |