Concordia Bank & Trust Company, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Concordia Bank & Trust Company - commercial bank, state charter and Fed nonmember, supervised by the FDIC. Concordia Bank & Trust was founded as the Bank of Vidalia in 1903. It has grown from a bank with $25,000 in assets in 1903 to an institution with more than $340 million in assets in 2000.

The bank offers personal banking options that include multiple checking accounts, including regular and interest-bearing checking accounts; various savings accounts; certificates of deposit; and tradition, ROTH fixed-rate and ROTH variable-rate individual retirement accounts.

Concordia Bank & Trust also has a variety of loan options. The bank also has commercial banking options that include several checking, investment, lending and special products and services, such as online and telephone banking. Concordia Bank & Trust is a member of the FDIC and is based in Vidalia, La.