Call reports 2012
CONCORDE BANK — 2012
What CONCORDE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 52,466,000 | 51,316,000 | 55,045,000 | 58,348,000 |
| Total loans | 30,681,000 | 29,791,000 | 31,237,000 | 32,054,000 |
| Allowance for loan losses | 728,000 | 805,000 | 820,000 | 752,000 |
| Securities available for sale | 7,226,000 | 7,503,000 | 6,914,000 | 6,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,196,000 | 47,011,000 | 50,649,000 | 53,856,000 |
| Interest-bearing deposits | 37,781,000 | 37,310,000 | 39,386,000 | 40,737,000 |
| Noninterest-bearing deposits | 10,415,000 | 9,702,000 | 11,263,000 | 13,119,000 |
| Equity capital | 4,146,000 | 4,183,000 | 4,255,000 | 4,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 1,025,000 | 1,544,000 | 2,038,000 |
| Interest expense | 85,000 | 165,000 | 245,000 | 315,000 |
| Net interest income | 437,000 | 860,000 | 1,299,000 | 1,723,000 |
| Noninterest income | 43,000 | 101,000 | 159,000 | 189,000 |
| Noninterest expense | 386,000 | 737,000 | 1,147,000 | 1,497,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 83,000 |
| Pretax income | 64,000 | 164,000 | 236,000 | 332,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 63,000 | 163,000 | 235,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,079,000 | 4,179,000 | 4,252,000 | 4,348,000 |
| Total capital | 4,530,000 | 4,615,000 | 4,698,000 | 4,827,000 |
| Risk-weighted assets | 35,771,000 | 34,546,000 | 35,293,000 | 38,033,000 |