Call reports 2004
CONCORDE BANK — 2004
What CONCORDE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,167,000 | 34,297,000 | 35,195,000 | 37,247,000 |
| Total loans | 20,098,000 | 21,436,000 | 23,555,000 | 25,364,000 |
| Allowance for loan losses | 620,000 | 641,000 | 642,000 | 652,000 |
| Securities available for sale | 9,672,000 | 8,710,000 | 7,417,000 | 7,478,000 |
| Securities held to maturity | 81,000 | 81,000 | 81,000 | 81,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,902,000 | 29,257,000 | 29,029,000 | 32,410,000 |
| Interest-bearing deposits | 26,074,000 | 25,744,000 | 25,936,000 | 27,629,000 |
| Noninterest-bearing deposits | 3,828,000 | 3,513,000 | 3,093,000 | 4,781,000 |
| Equity capital | 3,187,000 | 2,948,000 | 3,090,000 | 3,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 851,000 | 1,309,000 | 1,798,000 |
| Interest expense | 134,000 | 265,000 | 402,000 | 549,000 |
| Net interest income | 277,000 | 586,000 | 907,000 | 1,249,000 |
| Noninterest income | 25,000 | 50,000 | 76,000 | 110,000 |
| Noninterest expense | 268,000 | 569,000 | 896,000 | 1,308,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 34,000 | 67,000 | 95,000 | 59,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 34,000 | 67,000 | 95,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,982,000 | 3,010,000 | 3,030,000 | 2,994,000 |
| Total capital | 3,285,000 | 3,328,000 | 3,369,000 | 3,356,000 |
| Risk-weighted assets | 23,923,000 | 25,087,000 | 26,683,000 | 28,533,000 |