Call reports 2013
CARDINAL BANK — 2013
What CARDINAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,809,180,000 | 2,890,660,000 | 2,794,296,000 | 2,882,309,000 |
| Total loans | 2,317,622,000 | 2,485,935,000 | 2,286,860,000 | 2,414,161,000 |
| Allowance for loan losses | 27,165,000 | 26,934,000 | 27,392,000 | 27,864,000 |
| Securities available for sale | 256,900,000 | 238,011,000 | 347,567,000 | 349,318,000 |
| Securities held to maturity | 10,790,000 | 10,506,000 | 9,810,000 | 6,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,141,469,000 | 2,130,663,000 | 2,095,557,000 | 2,067,520,000 |
| Interest-bearing deposits | 2,017,347,000 | 1,989,806,000 | 1,980,473,000 | 1,968,727,000 |
| Noninterest-bearing deposits | 124,122,000 | 140,857,000 | 115,084,000 | 98,793,000 |
| Equity capital | 322,485,000 | 325,280,000 | 328,503,000 | 334,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 28,206,000 | 55,984,000 | 85,036,000 | 114,114,000 |
| Interest expense | 5,411,000 | 10,770,000 | 15,961,000 | 21,077,000 |
| Net interest income | 22,795,000 | 45,214,000 | 69,075,000 | 93,037,000 |
| Noninterest income | 8,362,000 | 21,849,000 | 23,290,000 | 29,573,000 |
| Noninterest expense | 19,812,000 | 39,773,000 | 59,627,000 | 80,114,000 |
| Provision for loan losses | -457,000 | -589,000 | -432,000 | -32,000 |
| Pretax income | 11,802,000 | 27,879,000 | 33,170,000 | 42,229,000 |
| Income tax | 3,928,000 | 9,350,000 | 10,919,000 | 13,798,000 |
| Net income | 7,874,000 | 18,529,000 | 22,251,000 | 28,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 299,984,000 | 308,809,000 | 312,706,000 | 319,012,000 |
| Total capital | 327,471,000 | 336,065,000 | 340,420,000 | 347,393,000 |
| Risk-weighted assets | 2,446,965,000 | 2,551,454,000 | 2,584,475,000 | 2,698,557,000 |