Call reports 2015
CARDINAL BANK — 2015
What CARDINAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,410,146,000 | 3,725,997,000 | 3,842,403,000 | 3,993,727,000 |
| Total loans | 2,940,443,000 | 3,251,320,000 | 3,295,935,000 | 3,440,078,000 |
| Allowance for loan losses | 28,884,000 | 30,198,000 | 31,572,000 | 31,723,000 |
| Securities available for sale | 314,260,000 | 332,551,000 | 421,214,000 | 414,077,000 |
| Securities held to maturity | 4,019,000 | 3,879,000 | 3,857,000 | 3,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,672,806,000 | 2,957,226,000 | 2,962,947,000 | 3,050,719,000 |
| Interest-bearing deposits | 2,523,094,000 | 2,794,381,000 | 2,815,044,000 | 2,888,861,000 |
| Noninterest-bearing deposits | 149,712,000 | 162,845,000 | 147,903,000 | 161,858,000 |
| Equity capital | 384,927,000 | 389,451,000 | 398,318,000 | 408,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 32,900,000 | 67,521,000 | 103,378,000 | 140,465,000 |
| Interest expense | 5,284,000 | 10,874,000 | 16,912,000 | 23,338,000 |
| Net interest income | 27,616,000 | 56,647,000 | 86,466,000 | 117,127,000 |
| Noninterest income | 17,292,000 | 29,591,000 | 38,761,000 | 47,841,000 |
| Noninterest expense | 22,465,000 | 44,192,000 | 67,435,000 | 91,759,000 |
| Provision for loan losses | 130,000 | 1,486,000 | 939,000 | 1,388,000 |
| Pretax income | 22,515,000 | 40,942,000 | 58,004,000 | 72,972,000 |
| Income tax | 7,649,000 | 13,944,000 | 19,396,000 | 24,616,000 |
| Net income | 14,866,000 | 26,998,000 | 38,608,000 | 48,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 365,340,000 | 373,240,000 | 381,025,000 | 392,130,000 |
| Total capital | 394,810,000 | 404,024,000 | 413,099,000 | 424,302,000 |
| Risk-weighted assets | 3,453,166,000 | 3,624,619,000 | 3,656,644,000 | 3,746,060,000 |