Call reports 2005
CNLBANK — 2005
What CNLBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 486,532,000 | 587,886,000 | 703,627,000 | 653,542,000 |
| Total loans | 381,149,000 | 460,344,000 | 535,741,000 | 549,720,000 |
| Allowance for loan losses | 3,958,000 | 4,636,000 | 5,526,000 | 5,884,000 |
| Securities available for sale | 56,437,000 | 54,732,000 | 66,347,000 | 59,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,749,000 | 461,455,000 | 590,920,000 | 518,990,000 |
| Interest-bearing deposits | 289,231,000 | 345,992,000 | 480,271,000 | 360,916,000 |
| Noninterest-bearing deposits | 98,518,000 | 115,463,000 | 110,649,000 | 158,074,000 |
| Equity capital | 55,370,000 | 58,783,000 | 60,058,000 | 61,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,165,000 | 13,998,000 | 23,902,000 | 34,675,000 |
| Interest expense | 1,344,000 | 3,142,000 | 5,928,000 | 9,107,000 |
| Net interest income | 4,821,000 | 10,856,000 | 17,974,000 | 25,568,000 |
| Noninterest income | 346,000 | 923,000 | 1,564,000 | 1,963,000 |
| Noninterest expense | 3,995,000 | 8,358,000 | 12,901,000 | 17,640,000 |
| Provision for loan losses | 539,000 | 1,217,000 | 2,107,000 | 2,465,000 |
| Pretax income | 633,000 | 2,204,000 | 4,530,000 | 7,426,000 |
| Income tax | 235,000 | 828,000 | 1,713,000 | 2,707,000 |
| Net income | 398,000 | 1,376,000 | 2,817,000 | 4,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,225,000 | 59,186,000 | 60,626,000 | 62,535,000 |
| Total capital | 60,183,000 | 63,822,000 | 66,152,000 | 68,419,000 |
| Risk-weighted assets | 445,578,000 | 524,953,000 | 624,325,000 | 623,559,000 |