Call reports 2003
CNLBANK — 2003
What CNLBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 179,307,000 | 211,757,000 | 261,513,000 | 290,004,000 |
| Total loans | 135,276,000 | 154,463,000 | 179,149,000 | 202,837,000 |
| Allowance for loan losses | 1,487,000 | 1,731,000 | 1,983,000 | 2,253,000 |
| Securities available for sale | 21,150,000 | 24,230,000 | 33,965,000 | 51,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,932,000 | 174,560,000 | 207,458,000 | 265,660,000 |
| Interest-bearing deposits | 117,283,000 | 133,963,000 | 151,103,000 | 190,099,000 |
| Noninterest-bearing deposits | 34,649,000 | 40,597,000 | 56,355,000 | 75,561,000 |
| Equity capital | 15,587,000 | 15,759,000 | 22,030,000 | 22,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,470,000 | 7,183,000 | 10,479,000 |
| Interest expense | 475,000 | 1,000,000 | 1,515,000 | 2,058,000 |
| Net interest income | 1,607,000 | 3,470,000 | 5,668,000 | 8,421,000 |
| Noninterest income | 150,000 | 295,000 | 438,000 | 588,000 |
| Noninterest expense | 1,462,000 | 3,241,000 | 5,020,000 | 7,091,000 |
| Provision for loan losses | 173,000 | 410,000 | 660,000 | 930,000 |
| Pretax income | 122,000 | 114,000 | 426,000 | 988,000 |
| Income tax | 34,000 | 0 | 157,000 | 356,000 |
| Net income | 88,000 | 114,000 | 269,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,912,000 | 15,065,000 | 21,576,000 | 22,804,000 |
| Total capital | 16,404,000 | 16,813,000 | 23,559,000 | 25,057,000 |
| Risk-weighted assets | 161,701,000 | 184,397,000 | 217,362,000 | 241,276,000 |