Call reports 2009
CONCORDE BANK — 2009
What CONCORDE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,884,000 | 46,623,000 | 47,432,000 | 49,984,000 |
| Total loans | 34,678,000 | 35,153,000 | 35,561,000 | 36,615,000 |
| Allowance for loan losses | 635,000 | 721,000 | 856,000 | 718,000 |
| Securities available for sale | 4,648,000 | 5,634,000 | 5,762,000 | 6,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,711,000 | 42,710,000 | 43,516,000 | 45,983,000 |
| Interest-bearing deposits | 36,000,000 | 37,360,000 | 38,095,000 | 39,945,000 |
| Noninterest-bearing deposits | 6,711,000 | 5,350,000 | 5,421,000 | 6,038,000 |
| Equity capital | 3,897,000 | 3,618,000 | 3,654,000 | 3,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,283,000 | 1,927,000 | 2,598,000 |
| Interest expense | 236,000 | 462,000 | 678,000 | 867,000 |
| Net interest income | 410,000 | 821,000 | 1,249,000 | 1,731,000 |
| Noninterest income | 46,000 | 94,000 | 144,000 | 192,000 |
| Noninterest expense | 324,000 | 743,000 | 1,107,000 | 1,513,000 |
| Provision for loan losses | 15,000 | 265,000 | 385,000 | 385,000 |
| Pretax income | 117,000 | -93,000 | -99,000 | 25,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 116,000 | -94,000 | -100,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,817,000 | 3,538,000 | 3,533,000 | 3,654,000 |
| Total capital | 3,829,000 | 4,012,000 | 4,010,000 | 4,145,000 |
| Risk-weighted assets | 36,737,000 | 37,656,000 | 37,808,000 | 39,072,000 |