Call reports 2007
CARDINAL BANK — 2007
What CARDINAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,713,139,000 | 1,771,569,000 | 1,671,464,000 | 1,683,943,000 |
| Total loans | 1,185,149,000 | 1,281,575,000 | 1,117,966,000 | 1,210,171,000 |
| Allowance for loan losses | 9,918,000 | 10,358,000 | 10,857,000 | 11,641,000 |
| Securities available for sale | 250,447,000 | 285,996,000 | 343,517,000 | 285,998,000 |
| Securities held to maturity | 94,329,000 | 88,497,000 | 82,740,000 | 78,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,241,087,000 | 1,205,376,000 | 1,147,936,000 | 1,105,042,000 |
| Interest-bearing deposits | 1,133,261,000 | 1,076,645,000 | 1,036,515,000 | 1,047,345,000 |
| Noninterest-bearing deposits | 107,826,000 | 128,731,000 | 111,421,000 | 57,697,000 |
| Equity capital | 147,132,000 | 147,280,000 | 157,068,000 | 161,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 23,945,000 | 48,993,000 | 74,538,000 | 98,643,000 |
| Interest expense | 13,828,000 | 28,355,000 | 43,164,000 | 56,931,000 |
| Net interest income | 10,117,000 | 20,638,000 | 31,374,000 | 41,712,000 |
| Noninterest income | 5,034,000 | 10,127,000 | 14,664,000 | 18,569,000 |
| Noninterest expense | 11,337,000 | 22,781,000 | 37,140,000 | 47,909,000 |
| Provision for loan losses | 280,000 | 755,000 | 1,670,000 | 2,548,000 |
| Pretax income | 3,548,000 | 7,243,000 | 7,242,000 | 9,872,000 |
| Income tax | 1,098,000 | 2,237,000 | 1,986,000 | 2,492,000 |
| Net income | 2,450,000 | 5,006,000 | 5,256,000 | 7,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,588,000 | 137,198,000 | 145,000,000 | 147,913,000 |
| Total capital | 144,670,000 | 147,720,000 | 156,041,000 | 159,745,000 |
| Risk-weighted assets | 1,243,914,000 | 1,318,429,000 | 1,286,438,000 | 1,339,036,000 |