Call reports 2013
CONCORD BANK — 2013
What CONCORD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 149,178,000 | 142,751,000 | 141,365,000 | 137,089,000 |
| Total loans | 113,953,000 | 113,994,000 | 112,123,000 | 105,162,000 |
| Allowance for loan losses | 2,924,000 | 2,697,000 | 2,411,000 | 2,453,000 |
| Securities available for sale | 5,454,000 | 4,650,000 | 3,951,000 | 3,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,805,000 | 130,151,000 | 128,575,000 | 124,058,000 |
| Interest-bearing deposits | 125,408,000 | 119,380,000 | 116,268,000 | 111,980,000 |
| Noninterest-bearing deposits | 10,397,000 | 10,771,000 | 12,307,000 | 12,078,000 |
| Equity capital | 12,008,000 | 12,227,000 | 12,434,000 | 12,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,533,000 | 3,047,000 | 4,562,000 | 6,019,000 |
| Interest expense | 373,000 | 716,000 | 1,037,000 | 1,336,000 |
| Net interest income | 1,160,000 | 2,331,000 | 3,525,000 | 4,683,000 |
| Noninterest income | 113,000 | 260,000 | 337,000 | 359,000 |
| Noninterest expense | 735,000 | 1,486,000 | 2,215,000 | 2,896,000 |
| Provision for loan losses | 143,000 | 279,000 | 488,000 | 488,000 |
| Pretax income | 395,000 | 826,000 | 1,159,000 | 1,658,000 |
| Income tax | 137,000 | 287,000 | 401,000 | 577,000 |
| Net income | 258,000 | 539,000 | 758,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,011,000 | 10,438,000 | 10,749,000 | 11,244,000 |
| Total capital | 11,565,000 | 11,878,000 | 12,178,000 | 12,580,000 |
| Risk-weighted assets | 124,322,000 | 115,242,000 | 114,349,000 | 106,925,000 |
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