Call reports 2004
CNLBANK — 2004
What CNLBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 318,347,000 | 349,884,000 | 364,797,000 | 418,244,000 |
| Total loans | 216,411,000 | 260,645,000 | 267,132,000 | 323,993,000 |
| Allowance for loan losses | 2,471,000 | 2,839,000 | 3,009,000 | 3,419,000 |
| Securities available for sale | 49,491,000 | 62,756,000 | 58,495,000 | 53,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,056,000 | 279,241,000 | 294,432,000 | 351,388,000 |
| Interest-bearing deposits | 208,567,000 | 213,437,000 | 238,475,000 | 237,705,000 |
| Noninterest-bearing deposits | 58,489,000 | 65,804,000 | 55,957,000 | 113,683,000 |
| Equity capital | 23,339,000 | 33,715,000 | 35,190,000 | 35,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,544,000 | 7,459,000 | 12,028,000 | 17,093,000 |
| Interest expense | 576,000 | 1,177,000 | 1,849,000 | 2,719,000 |
| Net interest income | 2,968,000 | 6,282,000 | 10,179,000 | 14,374,000 |
| Noninterest income | 160,000 | 493,000 | 786,000 | 1,126,000 |
| Noninterest expense | 2,379,000 | 4,909,000 | 7,756,000 | 11,081,000 |
| Provision for loan losses | 255,000 | 625,000 | 795,000 | 1,205,000 |
| Pretax income | 494,000 | 1,241,000 | 2,414,000 | 3,214,000 |
| Income tax | 164,000 | 450,000 | 879,000 | 1,173,000 |
| Net income | 330,000 | 791,000 | 1,535,000 | 2,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,145,000 | 34,575,000 | 35,313,000 | 35,825,000 |
| Total capital | 25,620,000 | 37,414,000 | 38,322,000 | 39,244,000 |
| Risk-weighted assets | 259,808,000 | 301,614,000 | 313,122,000 | 379,589,000 |