Call reports 2008
CNLBANK — 2008
What CNLBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,072,703,000 | 1,142,196,000 | 1,190,772,000 | 1,222,210,000 |
| Total loans | 961,547,000 | 1,042,723,000 | 1,068,799,000 | 1,078,474,000 |
| Allowance for loan losses | 11,542,000 | 11,917,000 | 18,577,000 | 16,220,000 |
| Securities available for sale | 64,436,000 | 54,236,000 | 75,356,000 | 102,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 846,260,000 | 857,979,000 | 904,737,000 | 945,519,000 |
| Interest-bearing deposits | 721,745,000 | 745,168,000 | 798,597,000 | 847,597,000 |
| Noninterest-bearing deposits | 124,515,000 | 112,811,000 | 106,140,000 | 97,922,000 |
| Equity capital | 108,696,000 | 109,047,000 | 105,777,000 | 104,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 17,144,000 | 33,092,000 | 49,425,000 | 65,769,000 |
| Interest expense | 7,774,000 | 14,636,000 | 21,882,000 | 28,946,000 |
| Net interest income | 9,370,000 | 18,456,000 | 27,543,000 | 36,823,000 |
| Noninterest income | 525,000 | 991,000 | 1,391,000 | 1,630,000 |
| Noninterest expense | 7,960,000 | 15,152,000 | 22,821,000 | 30,010,000 |
| Provision for loan losses | 398,000 | 1,669,000 | 9,181,000 | 15,508,000 |
| Pretax income | 1,537,000 | 2,626,000 | -3,068,000 | -7,065,000 |
| Income tax | 641,000 | 1,092,000 | -973,000 | -2,566,000 |
| Net income | 896,000 | 1,534,000 | -2,095,000 | -4,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,996,000 | 108,786,000 | 105,310,000 | 102,980,000 |
| Total capital | 119,538,000 | 120,703,000 | 119,116,000 | 116,935,000 |
| Risk-weighted assets | 1,025,835,000 | 1,090,522,000 | 1,099,752,000 | 1,114,171,000 |