Call reports 2006
CNLBANK — 2006
What CNLBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 765,998,000 | 794,165,000 | 824,744,000 | 951,619,000 |
| Total loans | 606,206,000 | 675,049,000 | 703,451,000 | 808,915,000 |
| Allowance for loan losses | 6,515,000 | 7,355,000 | 8,111,000 | 9,159,000 |
| Securities available for sale | 54,702,000 | 52,247,000 | 47,257,000 | 45,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,157,000 | 605,043,000 | 630,719,000 | 723,261,000 |
| Interest-bearing deposits | 484,966,000 | 479,428,000 | 495,788,000 | 580,031,000 |
| Noninterest-bearing deposits | 111,191,000 | 125,615,000 | 134,931,000 | 143,230,000 |
| Equity capital | 75,282,000 | 94,510,000 | 97,344,000 | 99,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,377,000 | 25,601,000 | 40,831,000 | 56,802,000 |
| Interest expense | 3,787,000 | 8,562,000 | 13,928,000 | 20,058,000 |
| Net interest income | 7,590,000 | 17,039,000 | 26,903,000 | 36,744,000 |
| Noninterest income | 398,000 | 886,000 | 1,453,000 | 2,163,000 |
| Noninterest expense | 4,840,000 | 10,170,000 | 15,986,000 | 22,808,000 |
| Provision for loan losses | 631,000 | 1,471,000 | 2,227,000 | 3,324,000 |
| Pretax income | 2,517,000 | 6,284,000 | 10,143,000 | 12,775,000 |
| Income tax | 943,000 | 2,349,000 | 3,826,000 | 4,893,000 |
| Net income | 1,574,000 | 3,935,000 | 6,317,000 | 7,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,119,000 | 95,473,000 | 97,864,000 | 99,430,000 |
| Total capital | 82,634,000 | 102,828,000 | 105,975,000 | 108,589,000 |
| Risk-weighted assets | 736,027,000 | 792,772,000 | 798,126,000 | 886,399,000 |