Call reports 2009
CARDINAL BANK — 2009
What CARDINAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,783,251,000 | 1,854,005,000 | 1,882,835,000 | 1,966,054,000 |
| Total loans | 1,384,751,000 | 1,430,868,000 | 1,415,097,000 | 1,472,901,000 |
| Allowance for loan losses | 15,303,000 | 16,150,000 | 17,473,000 | 18,636,000 |
| Securities available for sale | 194,210,000 | 240,158,000 | 334,670,000 | 343,569,000 |
| Securities held to maturity | 46,835,000 | 40,910,000 | 37,526,000 | 35,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,215,326,000 | 1,270,279,000 | 1,323,207,000 | 1,330,150,000 |
| Interest-bearing deposits | 1,157,330,000 | 1,185,881,000 | 1,232,888,000 | 1,247,593,000 |
| Noninterest-bearing deposits | 57,996,000 | 84,398,000 | 90,319,000 | 82,557,000 |
| Equity capital | 169,832,000 | 177,627,000 | 185,324,000 | 202,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 20,518,000 | 41,648,000 | 63,571,000 | 86,742,000 |
| Interest expense | 9,658,000 | 18,596,000 | 27,215,000 | 35,313,000 |
| Net interest income | 10,860,000 | 23,052,000 | 36,356,000 | 51,429,000 |
| Noninterest income | 5,742,000 | 11,756,000 | 17,140,000 | 22,547,000 |
| Noninterest expense | 11,482,000 | 24,264,000 | 36,373,000 | 49,166,000 |
| Provision for loan losses | 1,216,000 | 2,700,000 | 4,750,000 | 6,750,000 |
| Pretax income | 4,456,000 | 8,396,000 | 12,998,000 | 18,820,000 |
| Income tax | 1,406,000 | 2,600,000 | 4,048,000 | 5,928,000 |
| Net income | 3,050,000 | 5,796,000 | 8,950,000 | 12,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,250,000 | 165,212,000 | 168,492,000 | 187,563,000 |
| Total capital | 172,749,000 | 181,562,000 | 186,180,000 | 206,414,000 |
| Risk-weighted assets | 1,448,320,000 | 1,494,489,000 | 1,540,855,000 | 1,582,562,000 |