Call reports 2008
CONCORDE BANK — 2008
What CONCORDE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 44,932,000 | 44,697,000 | 44,998,000 | 45,453,000 |
| Total loans | 33,699,000 | 34,680,000 | 35,437,000 | 36,603,000 |
| Allowance for loan losses | 689,000 | 658,000 | 669,000 | 620,000 |
| Securities available for sale | 6,318,000 | 6,385,000 | 6,195,000 | 5,101,000 |
| Securities held to maturity | 54,000 | 54,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,849,000 | 40,122,000 | 39,258,000 | 40,836,000 |
| Interest-bearing deposits | 34,440,000 | 34,169,000 | 34,379,000 | 34,636,000 |
| Noninterest-bearing deposits | 6,410,000 | 5,953,000 | 4,880,000 | 6,199,000 |
| Equity capital | 3,630,000 | 3,555,000 | 3,653,000 | 3,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,433,000 | 2,117,000 | 2,827,000 |
| Interest expense | 328,000 | 627,000 | 905,000 | 1,168,000 |
| Net interest income | 395,000 | 806,000 | 1,212,000 | 1,659,000 |
| Noninterest income | 36,000 | 71,000 | 117,000 | 165,000 |
| Noninterest expense | 339,000 | 734,000 | 1,064,000 | 1,473,000 |
| Provision for loan losses | 102,000 | 41,000 | 57,000 | 72,000 |
| Pretax income | -10,000 | 102,000 | 208,000 | 279,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -11,000 | 101,000 | 207,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,593,000 | 3,593,000 | 3,666,000 | 3,735,000 |
| Total capital | 4,044,000 | 4,050,000 | 3,861,000 | 4,179,000 |
| Risk-weighted assets | 35,872,000 | 36,371,000 | 36,539,000 | 37,731,000 |