Call reports 2014
CARDINAL BANK — 2014
What CARDINAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 3,107,874,000 | 3,242,363,000 | 3,280,038,000 | 3,362,800,000 |
| Total loans | 2,611,015,000 | 2,752,374,000 | 2,802,818,000 | 2,896,437,000 |
| Allowance for loan losses | 29,093,000 | 29,566,000 | 29,537,000 | 28,275,000 |
| Securities available for sale | 352,805,000 | 337,482,000 | 330,415,000 | 339,131,000 |
| Securities held to maturity | 6,351,000 | 5,933,000 | 6,072,000 | 4,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,387,574,000 | 2,454,678,000 | 2,444,206,000 | 2,558,052,000 |
| Interest-bearing deposits | 2,266,187,000 | 2,293,818,000 | 2,262,400,000 | 2,397,629,000 |
| Noninterest-bearing deposits | 121,387,000 | 160,860,000 | 181,806,000 | 160,423,000 |
| Equity capital | 345,352,000 | 357,566,000 | 364,277,000 | 373,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 30,653,000 | 62,791,000 | 96,031,000 | 128,856,000 |
| Interest expense | 4,822,000 | 9,869,000 | 15,012,000 | 20,454,000 |
| Net interest income | 25,831,000 | 52,922,000 | 81,019,000 | 108,402,000 |
| Noninterest income | 8,340,000 | 19,640,000 | 27,252,000 | 36,830,000 |
| Noninterest expense | 24,084,000 | 47,017,000 | 67,907,000 | 89,008,000 |
| Provision for loan losses | 1,926,000 | 2,541,000 | 2,541,000 | 1,938,000 |
| Pretax income | 8,144,000 | 22,987,000 | 38,489,000 | 55,379,000 |
| Income tax | 2,798,000 | 7,837,000 | 13,054,000 | 18,369,000 |
| Net income | 5,346,000 | 15,150,000 | 25,435,000 | 37,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 324,968,000 | 335,163,000 | 342,837,000 | 351,119,000 |
| Total capital | 354,647,000 | 365,315,000 | 372,960,000 | 379,980,000 |
| Risk-weighted assets | 3,009,817,000 | 3,011,737,000 | 3,124,329,000 | 3,250,873,000 |