Call reports 2001
CARDINAL BANK — 2001
What CARDINAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 74,033,000 | 81,160,000 | 85,240,000 | 209,866,000 |
| Total loans | 56,844,000 | 60,493,000 | 59,668,000 | 156,805,000 |
| Allowance for loan losses | 668,000 | 712,000 | 744,000 | 2,326,000 |
| Securities available for sale | 1,964,000 | 2,304,000 | 1,891,000 | 30,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,576,000 | 68,920,000 | 72,028,000 | 184,242,000 |
| Interest-bearing deposits | 43,267,000 | 44,381,000 | 48,208,000 | 135,070,000 |
| Noninterest-bearing deposits | 18,309,000 | 24,539,000 | 23,820,000 | 49,172,000 |
| Equity capital | 5,604,000 | 5,672,000 | 5,809,000 | 12,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,645,000 | 3,992,000 | 12,732,000 |
| Interest expense | 674,000 | 1,336,000 | 1,950,000 | 5,695,000 |
| Net interest income | 615,000 | 1,309,000 | 2,042,000 | 7,037,000 |
| Noninterest income | 78,000 | 192,000 | 298,000 | 962,000 |
| Noninterest expense | 656,000 | 1,342,000 | 2,046,000 | 8,912,000 |
| Provision for loan losses | 25,000 | 69,000 | 101,000 | 923,000 |
| Pretax income | 12,000 | 90,000 | 193,000 | -1,836,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,000 | 90,000 | 193,000 | -1,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,624,000 | 5,703,000 | 5,805,000 | 13,066,000 |
| Total capital | 6,292,000 | 6,415,000 | 6,549,000 | 15,251,000 |
| Risk-weighted assets | 60,277,000 | 63,712,000 | 64,581,000 | 174,642,000 |