Call reports 2007
CONCORDE BANK — 2007
What CONCORDE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,699,000 | 42,668,000 | 43,137,000 | 46,030,000 |
| Total loans | 30,345,000 | 31,034,000 | 33,542,000 | 34,070,000 |
| Allowance for loan losses | 626,000 | 649,000 | 631,000 | 587,000 |
| Securities available for sale | 5,754,000 | 6,299,000 | 6,331,000 | 6,011,000 |
| Securities held to maturity | 61,000 | 61,000 | 61,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,862,000 | 38,778,000 | 39,101,000 | 41,945,000 |
| Interest-bearing deposits | 32,686,000 | 33,893,000 | 34,765,000 | 35,262,000 |
| Noninterest-bearing deposits | 4,176,000 | 4,886,000 | 4,336,000 | 6,683,000 |
| Equity capital | 3,461,000 | 3,432,000 | 3,519,000 | 3,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,397,000 | 2,142,000 | 2,891,000 |
| Interest expense | 304,000 | 633,000 | 984,000 | 1,329,000 |
| Net interest income | 390,000 | 764,000 | 1,158,000 | 1,562,000 |
| Noninterest income | 39,000 | 84,000 | 125,000 | 180,000 |
| Noninterest expense | 307,000 | 679,000 | 1,042,000 | 1,417,000 |
| Provision for loan losses | 2,000 | 5,000 | 8,000 | 11,000 |
| Pretax income | 120,000 | 164,000 | 233,000 | 314,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 119,000 | 163,000 | 232,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,524,000 | 3,494,000 | 3,543,000 | 3,623,000 |
| Total capital | 3,544,000 | 3,921,000 | 3,999,000 | 4,087,000 |
| Risk-weighted assets | 32,438,000 | 33,904,000 | 36,291,000 | 37,012,000 |