Call reports 2003
CONCORDE BANK — 2003
What CONCORDE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,224,000 | 32,677,000 | 33,593,000 | 33,035,000 |
| Total loans | 17,832,000 | 19,319,000 | 20,046,000 | 19,063,000 |
| Allowance for loan losses | 613,000 | 619,000 | 620,000 | 620,000 |
| Securities available for sale | 9,351,000 | 9,977,000 | 8,885,000 | 9,533,000 |
| Securities held to maturity | 87,000 | 87,000 | 87,000 | 87,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,041,000 | 27,466,000 | 28,537,000 | 29,422,000 |
| Interest-bearing deposits | 25,798,000 | 24,715,000 | 25,305,000 | 25,807,000 |
| Noninterest-bearing deposits | 3,243,000 | 2,751,000 | 3,232,000 | 3,615,000 |
| Equity capital | 2,994,000 | 3,070,000 | 3,016,000 | 3,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 872,000 | 1,300,000 | 1,713,000 |
| Interest expense | 167,000 | 322,000 | 471,000 | 610,000 |
| Net interest income | 266,000 | 550,000 | 829,000 | 1,103,000 |
| Noninterest income | 25,000 | 49,000 | 74,000 | 116,000 |
| Noninterest expense | 201,000 | 426,000 | 648,000 | 874,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 75,000 | 153,000 | 235,000 | 326,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 75,000 | 153,000 | 234,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,817,000 | 2,839,000 | 2,878,000 | 2,969,000 |
| Total capital | 3,086,000 | 3,129,000 | 3,179,000 | 3,258,000 |
| Risk-weighted assets | 21,216,000 | 22,852,000 | 23,759,000 | 22,798,000 |