Call reports 2008
CAPE FEAR BANK — 2008
What CAPE FEAR BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 469,950,000 | 495,620,000 | 490,452,000 | 473,112,000 |
| Total loans | 375,284,000 | 389,343,000 | 398,416,000 | 390,507,000 |
| Allowance for loan losses | 6,216,000 | 5,915,000 | 11,820,000 | 8,699,000 |
| Securities available for sale | 68,204,000 | 65,473,000 | 63,121,000 | 60,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,186,000 | 408,750,000 | 413,936,000 | 401,488,000 |
| Interest-bearing deposits | 369,015,000 | 379,703,000 | 389,061,000 | 379,782,000 |
| Noninterest-bearing deposits | 30,171,000 | 29,047,000 | 24,875,000 | 21,706,000 |
| Equity capital | 37,519,000 | 36,460,000 | 30,577,000 | 31,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,363,000 | 14,150,000 | 21,042,000 | 27,440,000 |
| Interest expense | 4,508,000 | 8,758,000 | 12,993,000 | 17,184,000 |
| Net interest income | 2,855,000 | 5,392,000 | 8,049,000 | 10,256,000 |
| Noninterest income | 433,000 | 860,000 | 1,278,000 | 1,428,000 |
| Noninterest expense | 3,307,000 | 6,548,000 | 10,151,000 | 12,386,000 |
| Provision for loan losses | 793,000 | 1,168,000 | 7,173,000 | 8,173,000 |
| Pretax income | -805,000 | -1,444,000 | -7,977,000 | -8,923,000 |
| Income tax | -502,000 | -805,000 | -3,476,000 | -3,748,000 |
| Net income | -303,000 | -639,000 | -4,501,000 | -5,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,511,000 | 37,205,000 | 32,853,000 | 27,734,000 |
| Total capital | 42,449,000 | 42,352,000 | 38,107,000 | 32,839,000 |
| Risk-weighted assets | 393,722,000 | 411,037,000 | 413,770,000 | 404,775,000 |