Call reports 2001
CARDINAL BANK - POTOMAC — 2001
What CARDINAL BANK - POTOMAC reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Total assets | 56,303,000 | 57,890,000 | 65,967,000 |
| Total loans | 39,288,000 | 41,912,000 | 47,003,000 |
| Allowance for loan losses | 478,000 | 509,000 | 570,000 |
| Securities available for sale | 1,810,000 | 2,318,000 | 1,673,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 49,428,000 | 51,330,000 | 58,285,000 |
| Interest-bearing deposits | 39,605,000 | 39,528,000 | 45,956,000 |
| Noninterest-bearing deposits | 9,823,000 | 11,802,000 | 12,329,000 |
| Equity capital | 3,570,000 | 3,676,000 | 3,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Interest income | 1,112,000 | 2,210,000 | 3,344,000 |
| Interest expense | 464,000 | 962,000 | 1,438,000 |
| Net interest income | 648,000 | 1,248,000 | 1,906,000 |
| Noninterest income | 52,000 | 91,000 | 191,000 |
| Noninterest expense | 737,000 | 1,449,000 | 2,255,000 |
| Provision for loan losses | 0 | 31,000 | 91,000 |
| Pretax income | -37,000 | -141,000 | -249,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -37,000 | -141,000 | -249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Tier 1 capital | 3,553,000 | 3,689,000 | 3,821,000 |
| Total capital | 4,031,000 | 4,198,000 | 4,391,000 |
| Risk-weighted assets | 39,988,000 | 45,172,000 | 51,709,000 |