Call reports 2006
CAPE FEAR BANK — 2006
What CAPE FEAR BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 381,649,000 | 396,970,000 | 422,721,000 | 424,402,000 |
| Total loans | 290,524,000 | 315,113,000 | 329,163,000 | 334,409,000 |
| Allowance for loan losses | 3,402,000 | 3,868,000 | 4,305,000 | 4,536,000 |
| Securities available for sale | 54,350,000 | 58,643,000 | 63,326,000 | 69,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,670,000 | 330,626,000 | 361,981,000 | 354,616,000 |
| Interest-bearing deposits | 290,299,000 | 291,031,000 | 326,055,000 | 320,551,000 |
| Noninterest-bearing deposits | 32,371,000 | 39,595,000 | 35,926,000 | 34,065,000 |
| Equity capital | 35,044,000 | 33,740,000 | 35,238,000 | 35,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,166,000 | 12,923,000 | 20,399,000 | 28,196,000 |
| Interest expense | 2,959,000 | 6,351,000 | 10,301,000 | 14,632,000 |
| Net interest income | 3,207,000 | 6,572,000 | 10,098,000 | 13,564,000 |
| Noninterest income | 246,000 | 581,000 | 843,000 | 1,127,000 |
| Noninterest expense | 2,070,000 | 4,239,000 | 6,600,000 | 9,141,000 |
| Provision for loan losses | 293,000 | 684,000 | 1,120,000 | 1,340,000 |
| Pretax income | 1,080,000 | 2,212,000 | 3,203,000 | 4,150,000 |
| Income tax | 405,000 | 828,000 | 1,137,000 | 1,337,000 |
| Net income | 675,000 | 1,384,000 | 2,066,000 | 2,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,703,000 | 34,939,000 | 35,651,000 | 36,265,000 |
| Total capital | 39,105,000 | 38,807,000 | 39,956,000 | 40,689,000 |
| Risk-weighted assets | 305,830,000 | 327,878,000 | 349,263,000 | 353,833,000 |