Call reports 2007
CNLBANK, FIRST COAST — 2007
What CNLBANK, FIRST COAST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 166,608,000 | 178,972,000 | 197,268,000 | 188,856,000 |
| Total loans | 136,662,000 | 146,664,000 | 156,751,000 | 154,314,000 |
| Allowance for loan losses | 1,641,000 | 1,765,000 | 1,750,000 | 1,930,000 |
| Securities available for sale | 18,862,000 | 20,680,000 | 20,086,000 | 27,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,077,000 | 138,355,000 | 145,976,000 | 137,256,000 |
| Interest-bearing deposits | 106,429,000 | 121,925,000 | 130,158,000 | 120,653,000 |
| Noninterest-bearing deposits | 16,648,000 | 16,430,000 | 15,818,000 | 16,603,000 |
| Equity capital | 20,674,000 | 20,752,000 | 21,298,000 | 21,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,118,000 | 6,483,000 | 10,100,000 | 13,581,000 |
| Interest expense | 1,332,000 | 2,849,000 | 4,556,000 | 6,236,000 |
| Net interest income | 1,786,000 | 3,634,000 | 5,544,000 | 7,345,000 |
| Noninterest income | 31,000 | 72,000 | 113,000 | 146,000 |
| Noninterest expense | 1,164,000 | 2,493,000 | 3,865,000 | 4,767,000 |
| Provision for loan losses | 164,000 | 288,000 | 318,000 | 498,000 |
| Pretax income | 489,000 | 925,000 | 1,474,000 | 2,226,000 |
| Income tax | 186,000 | 353,000 | 561,000 | 932,000 |
| Net income | 303,000 | 572,000 | 913,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,563,000 | 20,848,000 | 21,206,000 | 21,648,000 |
| Total capital | 22,204,000 | 22,614,000 | 22,956,000 | 23,578,000 |
| Risk-weighted assets | 146,995,000 | 157,484,000 | 169,491,000 | 166,393,000 |