Call reports 2002
CNLBANK — 2002
What CNLBANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 102,512,000 | 122,376,000 | 146,790,000 | 160,937,000 |
| Total loans | 76,063,000 | 89,097,000 | 98,108,000 | 120,251,000 |
| Allowance for loan losses | 916,000 | 944,000 | 1,090,000 | 1,319,000 |
| Securities available for sale | 14,071,000 | 10,695,000 | 11,142,000 | 13,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,513,000 | 106,357,000 | 127,823,000 | 137,087,000 |
| Interest-bearing deposits | 74,442,000 | 84,609,000 | 100,173,000 | 106,997,000 |
| Noninterest-bearing deposits | 16,071,000 | 21,748,000 | 27,650,000 | 30,090,000 |
| Equity capital | 8,518,000 | 9,549,000 | 11,486,000 | 15,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,398,000 | 2,920,000 | 4,678,000 | 6,596,000 |
| Interest expense | 476,000 | 955,000 | 1,470,000 | 1,994,000 |
| Net interest income | 922,000 | 1,965,000 | 3,208,000 | 4,602,000 |
| Noninterest income | 121,000 | 236,000 | 364,000 | 471,000 |
| Noninterest expense | 1,023,000 | 2,186,000 | 3,514,000 | 4,724,000 |
| Provision for loan losses | 87,000 | 136,000 | 283,000 | 573,000 |
| Pretax income | -67,000 | -121,000 | -225,000 | -224,000 |
| Income tax | -17,000 | -16,000 | -64,000 | -62,000 |
| Net income | -50,000 | -105,000 | -161,000 | -162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,864,000 | 8,869,000 | 10,766,000 | 14,794,000 |
| Total capital | 8,780,000 | 9,813,000 | 11,856,000 | 16,116,000 |
| Risk-weighted assets | 86,024,000 | 100,797,000 | 115,086,000 | 139,282,000 |