Call reports 2006
CARDINAL BANK — 2006
What CARDINAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,472,490,000 | 1,575,796,000 | 1,542,331,000 | 1,632,216,000 |
| Total loans | 1,030,197,000 | 1,156,103,000 | 1,064,715,000 | 1,184,180,000 |
| Allowance for loan losses | 8,520,000 | 8,964,000 | 9,205,000 | 9,638,000 |
| Securities available for sale | 220,813,000 | 236,417,000 | 230,325,000 | 231,631,000 |
| Securities held to maturity | 110,541,000 | 106,480,000 | 102,662,000 | 97,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,074,786,000 | 1,148,432,000 | 1,189,938,000 | 1,231,422,000 |
| Interest-bearing deposits | 1,031,225,000 | 1,105,024,000 | 1,112,980,000 | 1,153,523,000 |
| Noninterest-bearing deposits | 43,561,000 | 43,408,000 | 76,958,000 | 77,899,000 |
| Equity capital | 134,437,000 | 134,865,000 | 140,708,000 | 144,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 19,710,000 | 41,410,000 | 64,276,000 | 87,400,000 |
| Interest expense | 9,044,000 | 19,776,000 | 31,950,000 | 44,965,000 |
| Net interest income | 10,666,000 | 21,634,000 | 32,326,000 | 42,435,000 |
| Noninterest income | 4,778,000 | 9,969,000 | 14,573,000 | 20,235,000 |
| Noninterest expense | 10,436,000 | 21,791,000 | 32,910,000 | 44,179,000 |
| Provision for loan losses | 250,000 | 640,000 | 870,000 | 1,232,000 |
| Pretax income | 4,758,000 | 9,172,000 | 13,185,000 | 17,320,000 |
| Income tax | 1,620,000 | 3,024,000 | 4,235,000 | 5,631,000 |
| Net income | 3,138,000 | 6,148,000 | 8,950,000 | 11,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,459,000 | 126,542,000 | 129,398,000 | 132,084,000 |
| Total capital | 132,091,000 | 135,618,000 | 138,715,000 | 141,886,000 |
| Risk-weighted assets | 1,004,957,000 | 1,117,286,000 | 1,136,358,000 | 1,211,627,000 |