Call reports 2003
CAPE FEAR BANK — 2003
What CAPE FEAR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 110,394,000 | 113,578,000 | 115,328,000 | 129,698,000 |
| Total loans | 88,865,000 | 91,101,000 | 94,436,000 | 104,042,000 |
| Allowance for loan losses | 1,574,000 | 1,552,000 | 1,488,000 | 1,661,000 |
| Securities available for sale | 16,549,000 | 15,375,000 | 15,612,000 | 18,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,106,000 | 104,087,000 | 105,815,000 | 106,077,000 |
| Interest-bearing deposits | 91,723,000 | 96,317,000 | 97,325,000 | 96,409,000 |
| Noninterest-bearing deposits | 8,383,000 | 7,770,000 | 8,490,000 | 9,668,000 |
| Equity capital | 8,800,000 | 9,121,000 | 9,184,000 | 16,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,611,000 | 3,217,000 | 4,813,000 | 6,527,000 |
| Interest expense | 577,000 | 1,114,000 | 1,633,000 | 2,103,000 |
| Net interest income | 1,034,000 | 2,103,000 | 3,180,000 | 4,424,000 |
| Noninterest income | 116,000 | 253,000 | 370,000 | 498,000 |
| Noninterest expense | 809,000 | 1,742,000 | 2,656,000 | 3,628,000 |
| Provision for loan losses | 97,000 | 122,000 | 156,000 | 291,000 |
| Pretax income | 250,000 | 504,000 | 752,000 | 1,017,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 504,000 | 752,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,760,000 | 9,013,000 | 9,262,000 | 16,737,000 |
| Total capital | 9,893,000 | 10,184,000 | 10,464,000 | 18,070,000 |
| Risk-weighted assets | 90,217,000 | 93,286,000 | 95,856,000 | 106,310,000 |