Call reports 2004
CARDINAL BANK — 2004
What CARDINAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 687,543,000 | 805,477,000 | 1,171,042,000 | 1,206,058,000 |
| Total loans | 335,164,000 | 393,702,000 | 785,649,000 | 855,350,000 |
| Allowance for loan losses | 4,347,000 | 4,633,000 | 5,291,000 | 5,878,000 |
| Securities available for sale | 167,981,000 | 174,381,000 | 159,981,000 | 151,554,000 |
| Securities held to maturity | 154,140,000 | 157,254,000 | 148,034,000 | 137,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,927,000 | 599,576,000 | 821,948,000 | 826,303,000 |
| Interest-bearing deposits | 480,609,000 | 543,069,000 | 758,646,000 | 762,205,000 |
| Noninterest-bearing deposits | 47,318,000 | 56,507,000 | 63,302,000 | 64,098,000 |
| Equity capital | 77,841,000 | 75,230,000 | 99,236,000 | 100,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,414,000 | 15,382,000 | 27,570,000 | 40,522,000 |
| Interest expense | 2,615,000 | 5,605,000 | 10,495,000 | 15,711,000 |
| Net interest income | 4,799,000 | 9,777,000 | 17,075,000 | 24,811,000 |
| Noninterest income | 458,000 | 864,000 | 4,904,000 | 8,512,000 |
| Noninterest expense | 4,050,000 | 7,778,000 | 16,265,000 | 24,954,000 |
| Provision for loan losses | 74,000 | 388,000 | 918,000 | 1,626,000 |
| Pretax income | 1,374,000 | 2,716,000 | 5,041,000 | 6,988,000 |
| Income tax | 462,000 | 910,000 | 1,686,000 | 2,327,000 |
| Net income | 912,000 | 1,806,000 | 3,355,000 | 4,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,529,000 | 78,424,000 | 83,312,000 | 86,784,000 |
| Total capital | 81,950,000 | 83,131,000 | 88,715,000 | 92,774,000 |
| Risk-weighted assets | 462,444,000 | 548,327,000 | 760,134,000 | 798,765,000 |