Call reports 2005
CAPE FEAR BANK — 2005
What CAPE FEAR BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 228,905,000 | 268,768,000 | 311,869,000 | 342,725,000 |
| Total loans | 187,152,000 | 216,140,000 | 246,757,000 | 278,386,000 |
| Allowance for loan losses | 2,391,000 | 2,811,000 | 3,165,000 | 3,510,000 |
| Securities available for sale | 28,386,000 | 33,202,000 | 43,662,000 | 48,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,874,000 | 229,889,000 | 258,140,000 | 284,175,000 |
| Interest-bearing deposits | 172,645,000 | 200,270,000 | 229,724,000 | 258,108,000 |
| Noninterest-bearing deposits | 23,229,000 | 29,619,000 | 28,416,000 | 26,067,000 |
| Equity capital | 23,404,000 | 23,985,000 | 24,245,000 | 34,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 6,631,000 | 11,049,000 | 16,412,000 |
| Interest expense | 1,102,000 | 2,598,000 | 4,547,000 | 6,971,000 |
| Net interest income | 1,852,000 | 4,033,000 | 6,502,000 | 9,441,000 |
| Noninterest income | 247,000 | 492,000 | 757,000 | 1,055,000 |
| Noninterest expense | 1,392,000 | 2,851,000 | 4,587,000 | 6,361,000 |
| Provision for loan losses | 365,000 | 757,000 | 1,112,000 | 1,499,000 |
| Pretax income | 343,000 | 918,000 | 1,561,000 | 2,625,000 |
| Income tax | 102,000 | 294,000 | 515,000 | 848,000 |
| Net income | 241,000 | 624,000 | 1,046,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,721,000 | 24,103,000 | 24,525,000 | 35,144,000 |
| Total capital | 26,112,000 | 26,914,000 | 27,690,000 | 38,654,000 |
| Risk-weighted assets | 196,242,000 | 227,704,000 | 260,025,000 | 290,788,000 |