Call reports 2008
CNLBANK, SOUTHWEST FLORIDA — 2008
What CNLBANK, SOUTHWEST FLORIDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,783,000 | 119,217,000 | 124,823,000 | 139,203,000 |
| Total loans | 96,553,000 | 107,405,000 | 112,385,000 | 120,589,000 |
| Allowance for loan losses | 1,339,000 | 1,600,000 | 1,844,000 | 3,073,000 |
| Securities available for sale | 867,000 | 758,000 | 2,097,000 | 7,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,371,000 | 90,790,000 | 95,789,000 | 108,311,000 |
| Interest-bearing deposits | 81,874,000 | 83,492,000 | 88,592,000 | 97,948,000 |
| Noninterest-bearing deposits | 7,497,000 | 7,298,000 | 7,197,000 | 10,363,000 |
| Equity capital | 18,260,000 | 17,980,000 | 22,725,000 | 21,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,689,000 | 3,329,000 | 5,067,000 | 6,673,000 |
| Interest expense | 701,000 | 1,362,000 | 2,087,000 | 2,801,000 |
| Net interest income | 988,000 | 1,967,000 | 2,980,000 | 3,872,000 |
| Noninterest income | 10,000 | 30,000 | 77,000 | 107,000 |
| Noninterest expense | 1,422,000 | 2,656,000 | 3,927,000 | 5,026,000 |
| Provision for loan losses | 178,000 | 439,000 | 683,000 | 1,912,000 |
| Pretax income | -602,000 | -1,098,000 | -1,553,000 | -2,959,000 |
| Income tax | -214,000 | -392,000 | -549,000 | -1,064,000 |
| Net income | -388,000 | -706,000 | -1,004,000 | -1,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,248,000 | 17,966,000 | 22,701,000 | 21,868,000 |
| Total capital | 19,587,000 | 19,440,000 | 24,231,000 | 23,530,000 |
| Risk-weighted assets | 107,715,000 | 117,793,000 | 122,068,000 | 131,537,000 |