Call reports 2012
CARDINAL BANK — 2012
What CARDINAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,599,793,000 | 2,705,284,000 | 3,002,852,000 | 3,030,896,000 |
| Total loans | 2,161,486,000 | 2,268,064,000 | 2,525,277,000 | 2,589,182,000 |
| Allowance for loan losses | 25,223,000 | 26,660,000 | 26,369,000 | 27,400,000 |
| Securities available for sale | 284,198,000 | 297,826,000 | 287,651,000 | 271,903,000 |
| Securities held to maturity | 12,561,000 | 12,236,000 | 11,682,000 | 11,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,907,992,000 | 2,043,401,000 | 2,279,481,000 | 2,302,208,000 |
| Interest-bearing deposits | 1,782,649,000 | 1,917,459,000 | 2,101,105,000 | 2,150,553,000 |
| Noninterest-bearing deposits | 125,343,000 | 125,942,000 | 178,376,000 | 151,655,000 |
| Equity capital | 274,623,000 | 286,822,000 | 301,634,000 | 315,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 27,670,000 | 55,252,000 | 85,089,000 | 115,050,000 |
| Interest expense | 5,723,000 | 11,655,000 | 17,626,000 | 23,213,000 |
| Net interest income | 21,947,000 | 43,597,000 | 67,463,000 | 91,837,000 |
| Noninterest income | 9,412,000 | 25,920,000 | 48,021,000 | 62,895,000 |
| Noninterest expense | 16,999,000 | 36,346,000 | 57,685,000 | 75,153,000 |
| Provision for loan losses | 1,898,000 | 4,123,000 | 5,623,000 | 7,123,000 |
| Pretax income | 12,462,000 | 29,048,000 | 52,176,000 | 72,456,000 |
| Income tax | 4,145,000 | 9,815,000 | 17,786,000 | 24,234,000 |
| Net income | 8,317,000 | 19,233,000 | 34,390,000 | 48,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 251,501,000 | 262,509,000 | 277,764,000 | 291,695,000 |
| Total capital | 277,139,000 | 289,585,000 | 304,548,000 | 319,510,000 |
| Risk-weighted assets | 2,239,281,000 | 2,309,015,000 | 2,428,928,000 | 2,543,260,000 |