Call reports 2010
CARDINAL BANK — 2010
What CARDINAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,940,356,000 | 2,061,681,000 | 2,118,664,000 | 2,061,624,000 |
| Total loans | 1,451,618,000 | 1,598,987,000 | 1,693,116,000 | 1,615,349,000 |
| Allowance for loan losses | 19,287,000 | 21,058,000 | 22,444,000 | 24,210,000 |
| Securities available for sale | 340,091,000 | 319,108,000 | 296,608,000 | 320,998,000 |
| Securities held to maturity | 32,686,000 | 30,837,000 | 23,434,000 | 21,879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,350,833,000 | 1,368,119,000 | 1,443,585,000 | 1,417,420,000 |
| Interest-bearing deposits | 1,281,474,000 | 1,296,210,000 | 1,333,063,000 | 1,338,731,000 |
| Noninterest-bearing deposits | 69,359,000 | 71,909,000 | 110,522,000 | 78,689,000 |
| Equity capital | 207,311,000 | 216,848,000 | 226,406,000 | 227,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 22,924,000 | 46,868,000 | 71,639,000 | 96,633,000 |
| Interest expense | 7,457,000 | 14,066,000 | 20,445,000 | 26,767,000 |
| Net interest income | 15,467,000 | 32,802,000 | 51,194,000 | 69,866,000 |
| Noninterest income | 5,271,000 | 11,721,000 | 20,581,000 | 25,909,000 |
| Noninterest expense | 12,288,000 | 25,057,000 | 38,180,000 | 51,671,000 |
| Provision for loan losses | 2,425,000 | 5,125,000 | 8,625,000 | 10,502,000 |
| Pretax income | 6,289,000 | 14,874,000 | 25,696,000 | 34,328,000 |
| Income tax | 1,974,000 | 4,909,000 | 8,371,000 | 11,113,000 |
| Net income | 4,315,000 | 9,965,000 | 17,325,000 | 23,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,992,000 | 198,025,000 | 205,500,000 | 211,768,000 |
| Total capital | 211,512,000 | 219,083,000 | 227,996,000 | 234,144,000 |
| Risk-weighted assets | 1,583,960,000 | 1,684,450,000 | 1,799,435,000 | 1,787,926,000 |