Call reports 2015
CONCORD BANK — 2015
What CONCORD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 123,000,000 | 121,639,000 | 118,849,000 | 113,829,000 |
| Total loans | 96,888,000 | 92,452,000 | 95,173,000 | 97,932,000 |
| Allowance for loan losses | 2,334,000 | 1,721,000 | 1,739,000 | 1,766,000 |
| Securities available for sale | 4,899,000 | 4,597,000 | 4,345,000 | 4,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,242,000 | 108,932,000 | 105,952,000 | 101,601,000 |
| Interest-bearing deposits | 96,544,000 | 94,811,000 | 91,564,000 | 86,739,000 |
| Noninterest-bearing deposits | 13,698,000 | 14,121,000 | 14,388,000 | 14,862,000 |
| Equity capital | 12,411,000 | 12,351,000 | 12,523,000 | 11,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,361,000 | 3,504,000 | 4,672,000 |
| Interest expense | 231,000 | 465,000 | 696,000 | 912,000 |
| Net interest income | 948,000 | 1,896,000 | 2,808,000 | 3,760,000 |
| Noninterest income | 68,000 | 136,000 | 208,000 | 268,000 |
| Noninterest expense | 731,000 | 1,686,000 | 2,445,000 | 3,114,000 |
| Provision for loan losses | 150,000 | 275,000 | 276,000 | 276,000 |
| Pretax income | 135,000 | 71,000 | 295,000 | 638,000 |
| Income tax | 41,000 | 8,000 | 82,000 | 1,095,000 |
| Net income | 94,000 | 63,000 | 213,000 | -457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,256,000 | 11,218,000 | 11,374,000 | 10,719,000 |
| Total capital | 12,581,000 | 12,503,000 | 12,685,000 | 11,986,000 |
| Risk-weighted assets | 104,391,000 | 101,772,000 | 103,824,000 | 100,166,000 |