Call reports 2011
CARDINAL BANK — 2011
What CARDINAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 2,049,279,000 | 2,154,395,000 | 2,544,160,000 | 2,594,615,000 |
| Total loans | 1,581,786,000 | 1,694,570,000 | 2,068,124,000 | 2,161,382,000 |
| Allowance for loan losses | 24,209,000 | 22,626,000 | 24,212,000 | 26,159,000 |
| Securities available for sale | 351,712,000 | 339,020,000 | 332,325,000 | 295,560,000 |
| Securities held to maturity | 16,211,000 | 15,601,000 | 13,518,000 | 12,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,403,804,000 | 1,463,291,000 | 1,850,914,000 | 1,808,721,000 |
| Interest-bearing deposits | 1,327,509,000 | 1,384,114,000 | 1,729,798,000 | 1,708,444,000 |
| Noninterest-bearing deposits | 76,295,000 | 79,177,000 | 121,116,000 | 100,277,000 |
| Equity capital | 233,662,000 | 243,385,000 | 257,491,000 | 265,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 23,784,000 | 48,301,000 | 74,349,000 | 102,878,000 |
| Interest expense | 5,922,000 | 11,574,000 | 17,317,000 | 22,900,000 |
| Net interest income | 17,862,000 | 36,727,000 | 57,032,000 | 79,978,000 |
| Noninterest income | 4,490,000 | 11,240,000 | 26,186,000 | 31,486,000 |
| Noninterest expense | 12,848,000 | 27,538,000 | 46,024,000 | 60,182,000 |
| Provision for loan losses | 1,110,000 | 1,860,000 | 4,745,000 | 6,910,000 |
| Pretax income | 8,797,000 | 19,395,000 | 33,686,000 | 46,769,000 |
| Income tax | 2,940,000 | 6,531,000 | 11,535,000 | 15,764,000 |
| Net income | 5,857,000 | 12,864,000 | 22,151,000 | 31,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 217,737,000 | 224,831,000 | 234,152,000 | 243,093,000 |
| Total capital | 240,452,000 | 247,827,000 | 258,761,000 | 269,667,000 |
| Risk-weighted assets | 1,815,326,000 | 1,913,914,000 | 2,133,453,000 | 2,258,664,000 |