Call reports 2005
CARDINAL BANK — 2005
What CARDINAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,272,496,000 | 1,454,417,000 | 1,526,231,000 | 1,443,792,000 |
| Total loans | 899,830,000 | 1,078,355,000 | 1,086,808,000 | 1,067,312,000 |
| Allowance for loan losses | 6,432,000 | 7,210,000 | 7,706,000 | 8,301,000 |
| Securities available for sale | 163,377,000 | 151,737,000 | 171,833,000 | 178,955,000 |
| Securities held to maturity | 133,435,000 | 127,364,000 | 120,794,000 | 115,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 896,907,000 | 1,004,770,000 | 1,096,843,000 | 1,073,321,000 |
| Interest-bearing deposits | 851,786,000 | 937,816,000 | 1,030,518,000 | 1,030,368,000 |
| Noninterest-bearing deposits | 45,121,000 | 66,954,000 | 66,325,000 | 42,953,000 |
| Equity capital | 100,766,000 | 126,692,000 | 129,916,000 | 131,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 13,491,000 | 29,417,000 | 47,757,000 | 67,372,000 |
| Interest expense | 5,438,000 | 12,037,000 | 20,055,000 | 28,998,000 |
| Net interest income | 8,053,000 | 17,380,000 | 27,702,000 | 38,374,000 |
| Noninterest income | 5,016,000 | 10,957,000 | 17,801,000 | 23,184,000 |
| Noninterest expense | 9,546,000 | 19,841,000 | 31,230,000 | 41,132,000 |
| Provision for loan losses | 549,000 | 1,369,000 | 1,869,000 | 2,456,000 |
| Pretax income | 2,974,000 | 7,160,000 | 12,437,000 | 18,003,000 |
| Income tax | 958,000 | 2,370,000 | 4,182,000 | 6,177,000 |
| Net income | 2,016,000 | 4,790,000 | 8,255,000 | 11,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,671,000 | 113,492,000 | 117,008,000 | 120,629,000 |
| Total capital | 95,215,000 | 120,814,000 | 124,826,000 | 129,042,000 |
| Risk-weighted assets | 849,475,000 | 974,227,000 | 1,004,188,000 | 1,007,083,000 |