Call reports 2016
CARDINAL BANK — 2016
What CARDINAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 4,038,244,000 | 4,160,037,000 | 4,182,905,000 | 4,169,472,000 |
| Total loans | 3,467,467,000 | 3,613,230,000 | 3,657,174,000 | 3,578,925,000 |
| Allowance for loan losses | 32,407,000 | 32,984,000 | 33,641,000 | 31,767,000 |
| Securities available for sale | 407,980,000 | 402,522,000 | 387,150,000 | 388,191,000 |
| Securities held to maturity | 3,814,000 | 3,796,000 | 3,780,000 | 3,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,178,481,000 | 3,273,442,000 | 3,269,299,000 | 3,299,603,000 |
| Interest-bearing deposits | 3,006,216,000 | 3,072,161,000 | 3,056,958,000 | 3,112,415,000 |
| Noninterest-bearing deposits | 172,265,000 | 201,281,000 | 212,341,000 | 187,188,000 |
| Equity capital | 422,162,000 | 433,185,000 | 442,554,000 | 447,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 37,437,000 | 75,418,000 | 115,985,000 | 155,936,000 |
| Interest expense | 6,534,000 | 12,790,000 | 18,917,000 | 24,788,000 |
| Net interest income | 30,903,000 | 62,628,000 | 97,068,000 | 131,148,000 |
| Noninterest income | 15,261,000 | 31,661,000 | 47,457,000 | 54,512,000 |
| Noninterest expense | 25,476,000 | 54,319,000 | 81,722,000 | 107,559,000 |
| Provision for loan losses | 250,000 | 680,000 | 1,670,000 | -264,000 |
| Pretax income | 20,550,000 | 43,016,000 | 64,859,000 | 82,959,000 |
| Income tax | 6,757,000 | 14,471,000 | 22,035,000 | 27,329,000 |
| Net income | 13,793,000 | 28,545,000 | 42,824,000 | 55,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 402,979,000 | 413,733,000 | 424,067,000 | 436,981,000 |
| Total capital | 435,834,000 | 447,115,000 | 458,118,000 | 469,123,000 |
| Risk-weighted assets | 3,802,517,000 | 3,779,725,000 | 3,819,311,000 | 3,787,081,000 |