Call reports 2005
CONCORDE BANK — 2005
What CONCORDE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 35,989,000 | 36,548,000 | 37,934,000 | 40,894,000 |
| Total loans | 24,486,000 | 25,009,000 | 26,931,000 | 28,038,000 |
| Allowance for loan losses | 655,000 | 652,000 | 652,000 | 638,000 |
| Securities available for sale | 7,029,000 | 6,963,000 | 6,908,000 | 6,411,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,176,000 | 30,530,000 | 31,051,000 | 35,062,000 |
| Interest-bearing deposits | 26,191,000 | 26,068,000 | 26,225,000 | 27,933,000 |
| Noninterest-bearing deposits | 3,985,000 | 4,462,000 | 4,826,000 | 7,128,000 |
| Equity capital | 2,950,000 | 3,033,000 | 3,077,000 | 3,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 992,000 | 1,541,000 | 2,127,000 |
| Interest expense | 157,000 | 318,000 | 501,000 | 707,000 |
| Net interest income | 329,000 | 674,000 | 1,040,000 | 1,420,000 |
| Noninterest income | 32,000 | 62,000 | 102,000 | 143,000 |
| Noninterest expense | 303,000 | 650,000 | 963,000 | 1,329,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 58,000 | 86,000 | 179,000 | 234,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 58,000 | 86,000 | 179,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,051,000 | 3,079,000 | 3,172,000 | 3,224,000 |
| Total capital | 3,399,000 | 3,433,000 | 3,547,000 | 3,615,000 |
| Risk-weighted assets | 27,403,000 | 27,223,000 | 29,432,000 | 30,761,000 |