Call reports 2004
CAPE FEAR BANK — 2004
What CAPE FEAR BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 145,271,000 | 161,117,000 | 180,133,000 | 201,755,000 |
| Total loans | 118,703,000 | 131,507,000 | 140,906,000 | 162,399,000 |
| Allowance for loan losses | 1,768,000 | 1,916,000 | 1,830,000 | 2,106,000 |
| Securities available for sale | 18,410,000 | 21,490,000 | 25,816,000 | 26,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,827,000 | 138,798,000 | 157,048,000 | 170,202,000 |
| Interest-bearing deposits | 113,620,000 | 124,993,000 | 141,681,000 | 155,766,000 |
| Noninterest-bearing deposits | 11,207,000 | 13,805,000 | 15,367,000 | 14,436,000 |
| Equity capital | 17,076,000 | 16,925,000 | 17,496,000 | 23,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,811,000 | 3,807,000 | 6,040,000 | 8,596,000 |
| Interest expense | 503,000 | 1,103,000 | 1,858,000 | 2,742,000 |
| Net interest income | 1,308,000 | 2,704,000 | 4,182,000 | 5,854,000 |
| Noninterest income | 144,000 | 306,000 | 521,000 | 750,000 |
| Noninterest expense | 1,069,000 | 2,238,000 | 3,403,000 | 4,626,000 |
| Provision for loan losses | 108,000 | 286,000 | 615,000 | 891,000 |
| Pretax income | 276,000 | 481,000 | 680,000 | 1,082,000 |
| Income tax | 0 | 0 | -85,000 | -66,000 |
| Net income | 276,000 | 481,000 | 765,000 | 1,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,016,000 | 17,220,000 | 17,504,000 | 23,397,000 |
| Total capital | 18,541,000 | 18,923,000 | 19,334,000 | 25,503,000 |
| Risk-weighted assets | 121,729,000 | 136,020,000 | 149,973,000 | 171,553,000 |