Call reports 2010
CNLBANK — 2010
What CNLBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,581,372,000 | 1,532,723,000 | 1,519,828,000 | 1,446,289,000 |
| Total loans | 1,235,630,000 | 1,158,222,000 | 1,116,981,000 | 1,069,204,000 |
| Allowance for loan losses | 30,871,000 | 27,905,000 | 27,136,000 | 44,663,000 |
| Securities available for sale | 197,937,000 | 244,893,000 | 269,030,000 | 271,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,323,669,000 | 1,272,760,000 | 1,264,335,000 | 1,206,334,000 |
| Interest-bearing deposits | 1,153,408,000 | 1,089,007,000 | 1,089,586,000 | 949,601,000 |
| Noninterest-bearing deposits | 170,261,000 | 183,753,000 | 174,749,000 | 256,733,000 |
| Equity capital | 145,024,000 | 144,939,000 | 139,770,000 | 116,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 18,626,000 | 36,218,000 | 53,835,000 | 71,087,000 |
| Interest expense | 5,805,000 | 11,032,000 | 15,760,000 | 20,179,000 |
| Net interest income | 12,821,000 | 25,186,000 | 38,075,000 | 50,908,000 |
| Noninterest income | -1,394,000 | -1,350,000 | -2,109,000 | -5,759,000 |
| Noninterest expense | 12,578,000 | 23,898,000 | 34,908,000 | 52,611,000 |
| Provision for loan losses | 5,548,000 | 8,844,000 | 20,474,000 | 48,577,000 |
| Pretax income | -4,031,000 | -6,238,000 | -16,393,000 | -52,955,000 |
| Income tax | -1,488,000 | -2,294,000 | -6,203,000 | -20,146,000 |
| Net income | -2,543,000 | -3,944,000 | -10,190,000 | -32,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,514,000 | 127,491,000 | 116,355,000 | 79,813,000 |
| Total capital | 146,346,000 | 142,749,000 | 131,272,000 | 93,922,000 |
| Risk-weighted assets | 1,251,560,000 | 1,207,802,000 | 1,180,793,000 | 1,098,496,000 |