Call reports 2008
CNLBANK, FIRST COAST — 2008
What CNLBANK, FIRST COAST 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 | 192,252,000 | 204,578,000 | 215,285,000 | 227,354,000 |
| Total loans | 162,444,000 | 163,283,000 | 172,910,000 | 182,138,000 |
| Allowance for loan losses | 2,005,000 | 2,225,000 | 2,810,000 | 2,974,000 |
| Securities available for sale | 19,082,000 | 21,328,000 | 31,065,000 | 30,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,303,000 | 158,985,000 | 164,641,000 | 176,503,000 |
| Interest-bearing deposits | 125,191,000 | 142,273,000 | 144,293,000 | 154,651,000 |
| Noninterest-bearing deposits | 18,112,000 | 16,712,000 | 20,348,000 | 21,852,000 |
| Equity capital | 23,660,000 | 23,560,000 | 23,449,000 | 23,840,000 |
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 | 3,013,000 | 5,721,000 | 8,587,000 | 11,401,000 |
| Interest expense | 1,434,000 | 2,720,000 | 4,061,000 | 5,188,000 |
| Net interest income | 1,579,000 | 3,001,000 | 4,526,000 | 6,213,000 |
| Noninterest income | 39,000 | 81,000 | 126,000 | 109,000 |
| Noninterest expense | 1,328,000 | 2,534,000 | 3,834,000 | 5,054,000 |
| Provision for loan losses | 75,000 | 295,000 | 1,058,000 | 1,222,000 |
| Pretax income | 215,000 | 253,000 | -240,000 | 46,000 |
| Income tax | 95,000 | 127,000 | -25,000 | 53,000 |
| Net income | 120,000 | 126,000 | -215,000 | -7,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,354,000 | 23,392,000 | 23,082,000 | 23,310,000 |
| Total capital | 25,359,000 | 25,617,000 | 25,473,000 | 25,788,000 |
| Risk-weighted assets | 178,703,000 | 181,509,000 | 190,848,000 | 197,756,000 |