Call reports 2013
CNLBANK — 2013
What CNLBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,265,074,000 | 1,280,486,000 | 1,235,945,000 | 1,233,579,000 |
| Total loans | 729,172,000 | 718,448,000 | 708,608,000 | 730,498,000 |
| Allowance for loan losses | 13,626,000 | 11,870,000 | 11,734,000 | 10,996,000 |
| Securities available for sale | 380,936,000 | 371,970,000 | 366,073,000 | 357,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 32,653,000 |
| Total deposits | 1,017,600,000 | 1,036,075,000 | 990,422,000 | 954,063,000 |
| Interest-bearing deposits | 720,761,000 | 724,558,000 | 662,678,000 | 640,241,000 |
| Noninterest-bearing deposits | 296,839,000 | 311,517,000 | 327,744,000 | 313,822,000 |
| Equity capital | 114,436,000 | 110,312,000 | 109,648,000 | 108,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,739,000 | 22,912,000 | 33,897,000 | 44,900,000 |
| Interest expense | 1,921,000 | 3,758,000 | 5,515,000 | 7,215,000 |
| Net interest income | 9,818,000 | 19,154,000 | 28,382,000 | 37,685,000 |
| Noninterest income | 1,104,000 | 783,000 | 269,000 | 409,000 |
| Noninterest expense | 9,692,000 | 19,136,000 | 27,524,000 | 35,107,000 |
| Provision for loan losses | 646,000 | 1,442,000 | 1,727,000 | 4,909,000 |
| Pretax income | 604,000 | 1,187,000 | 1,221,000 | -97,000 |
| Income tax | 126,000 | 499,000 | 469,000 | -242,000 |
| Net income | 478,000 | 688,000 | 752,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,563,000 | 69,496,000 | 69,638,000 | 69,466,000 |
| Total capital | 78,686,000 | 79,565,000 | 79,716,000 | 79,613,000 |
| Risk-weighted assets | 806,322,000 | 803,745,000 | 804,586,000 | 810,882,000 |