Call reports 2007
CAPE FEAR BANK — 2007
What CAPE FEAR BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 448,055,000 | 440,983,000 | 453,140,000 | 463,944,000 |
| Total loans | 344,743,000 | 341,030,000 | 357,962,000 | 370,678,000 |
| Allowance for loan losses | 4,738,000 | 4,746,000 | 4,795,000 | 5,771,000 |
| Securities available for sale | 70,941,000 | 72,293,000 | 71,836,000 | 70,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,781,000 | 371,717,000 | 382,376,000 | 387,239,000 |
| Interest-bearing deposits | 345,777,000 | 336,418,000 | 352,214,000 | 358,696,000 |
| Noninterest-bearing deposits | 35,004,000 | 35,299,000 | 30,162,000 | 28,543,000 |
| Equity capital | 36,555,000 | 36,623,000 | 37,535,000 | 37,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,847,000 | 15,915,000 | 24,133,000 | 32,033,000 |
| Interest expense | 4,463,000 | 9,081,000 | 13,772,000 | 18,460,000 |
| Net interest income | 3,384,000 | 6,834,000 | 10,361,000 | 13,573,000 |
| Noninterest income | 299,000 | 643,000 | 971,000 | 1,429,000 |
| Noninterest expense | 2,824,000 | 5,702,000 | 8,854,000 | 11,446,000 |
| Provision for loan losses | 75,000 | 75,000 | 125,000 | 1,095,000 |
| Pretax income | 787,000 | 1,696,000 | 2,342,000 | 2,476,000 |
| Income tax | 215,000 | 449,000 | 595,000 | 530,000 |
| Net income | 572,000 | 1,247,000 | 1,747,000 | 1,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,866,000 | 37,571,000 | 38,091,000 | 38,320,000 |
| Total capital | 41,510,000 | 42,115,000 | 42,846,000 | 43,197,000 |
| Risk-weighted assets | 371,438,000 | 363,317,000 | 380,324,000 | 389,266,000 |