Call reports 2008
BANK OF CAPE COD — 2008
What BANK OF CAPE COD 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 | 61,403,000 | 61,757,000 | 72,613,000 | 77,535,000 |
| Total loans | 37,715,000 | 44,522,000 | 53,184,000 | 57,423,000 |
| Allowance for loan losses | 389,000 | 461,000 | 556,000 | 615,000 |
| Securities available for sale | 5,044,000 | 5,039,000 | 7,025,000 | 11,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,355,000 | 47,633,000 | 58,385,000 | 61,368,000 |
| Interest-bearing deposits | 43,260,000 | 41,562,000 | 43,972,000 | 56,651,000 |
| Noninterest-bearing deposits | 5,095,000 | 6,071,000 | 14,413,000 | 4,717,000 |
| Equity capital | 10,847,000 | 10,401,000 | 10,098,000 | 10,140,000 |
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 | 683,000 | 1,425,000 | 2,275,000 | 3,250,000 |
| Interest expense | 301,000 | 641,000 | 1,025,000 | 1,474,000 |
| Net interest income | 382,000 | 784,000 | 1,250,000 | 1,776,000 |
| Noninterest income | 19,000 | 51,000 | 90,000 | 128,000 |
| Noninterest expense | 699,000 | 1,518,000 | 2,245,000 | 2,959,000 |
| Provision for loan losses | 121,000 | 193,000 | 288,000 | 347,000 |
| Pretax income | -419,000 | -876,000 | -1,193,000 | -1,402,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -419,000 | -876,000 | -1,193,000 | -1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,799,000 | 10,377,000 | 10,092,000 | 9,913,000 |
| Total capital | 11,199,000 | 10,855,000 | 10,663,000 | 10,543,000 |
| Risk-weighted assets | 42,929,000 | 48,537,000 | 58,133,000 | 64,287,000 |