Call reports 2023
CONCORDE BANK — 2023
What CONCORDE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 76,459,000 | 74,448,000 | 73,586,000 | 74,399,000 |
| Total loans | 49,936,000 | 52,834,000 | 55,866,000 | 58,878,000 |
| Allowance for loan losses | 1,326,000 | 1,336,000 | 1,336,000 | 1,336,000 |
| Securities available for sale | 5,271,000 | 5,092,000 | 4,762,000 | 4,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,093,000 | 67,755,000 | 66,781,000 | 66,894,000 |
| Interest-bearing deposits | 52,517,000 | 50,804,000 | 50,547,000 | 50,689,000 |
| Noninterest-bearing deposits | 17,576,000 | 16,951,000 | 16,234,000 | 16,205,000 |
| Equity capital | 6,114,000 | 6,376,000 | 6,475,000 | 7,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 831,000 | 1,820,000 | 2,895,000 | 4,030,000 |
| Interest expense | 147,000 | 331,000 | 546,000 | 796,000 |
| Net interest income | 684,000 | 1,489,000 | 2,349,000 | 3,234,000 |
| Noninterest income | 32,000 | 102,000 | 180,000 | 378,000 |
| Noninterest expense | 532,000 | 1,067,000 | 1,674,000 | 2,330,000 |
| Provision for loan losses | 9,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 175,000 | 504,000 | 835,000 | 1,186,000 |
| Income tax | 19,000 | 39,000 | 39,000 | 109,000 |
| Net income | 156,000 | 465,000 | 796,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,817,000 | 7,108,000 | 7,385,000 | 7,665,000 |
| Total capital | 7,489,000 | 7,797,000 | 8,095,000 | 8,388,000 |
| Risk-weighted assets | 53,183,000 | 54,514,000 | 56,252,000 | 57,255,000 |