Call reports 2007
CNLBANK — 2007
What CNLBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,069,157,000 | 1,098,112,000 | 1,057,114,000 | 1,107,345,000 |
| Total loans | 889,382,000 | 949,368,000 | 908,058,000 | 958,620,000 |
| Allowance for loan losses | 10,296,000 | 11,061,000 | 11,069,000 | 11,807,000 |
| Securities available for sale | 43,661,000 | 49,994,000 | 46,790,000 | 63,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 872,369,000 | 817,718,000 | 769,692,000 | 817,727,000 |
| Interest-bearing deposits | 728,382,000 | 676,088,000 | 638,754,000 | 676,125,000 |
| Noninterest-bearing deposits | 143,987,000 | 141,630,000 | 130,938,000 | 141,602,000 |
| Equity capital | 100,755,000 | 102,297,000 | 105,040,000 | 107,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,471,000 | 36,431,000 | 55,168,000 | 73,867,000 |
| Interest expense | 7,294,000 | 15,427,000 | 23,816,000 | 32,413,000 |
| Net interest income | 10,177,000 | 21,004,000 | 31,352,000 | 41,454,000 |
| Noninterest income | 718,000 | 1,518,000 | 2,205,000 | 2,668,000 |
| Noninterest expense | 7,227,000 | 15,452,000 | 22,703,000 | 29,168,000 |
| Provision for loan losses | 1,137,000 | 1,902,000 | 1,910,000 | 3,074,000 |
| Pretax income | 2,531,000 | 5,168,000 | 8,944,000 | 11,880,000 |
| Income tax | 962,000 | 1,950,000 | 3,388,000 | 4,835,000 |
| Net income | 1,569,000 | 3,218,000 | 5,556,000 | 7,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,054,000 | 102,785,000 | 105,206,000 | 106,982,000 |
| Total capital | 111,350,000 | 113,846,000 | 116,275,000 | 118,789,000 |
| Risk-weighted assets | 994,610,000 | 1,013,697,000 | 980,358,000 | 1,019,298,000 |