Call reports 2003
CAPE BANK — 2003
What CAPE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 467,445,000 | 475,060,000 | 490,690,000 | 495,642,000 |
| Total loans | 340,311,000 | 341,243,000 | 343,695,000 | 346,466,000 |
| Allowance for loan losses | 2,452,000 | 2,660,000 | 2,863,000 | 3,057,000 |
| Securities available for sale | 55,508,000 | 56,259,000 | 66,910,000 | 71,621,000 |
| Securities held to maturity | 18,990,000 | 21,165,000 | 27,623,000 | 26,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,020,000 | 388,994,000 | 404,028,000 | 388,934,000 |
| Interest-bearing deposits | 348,948,000 | 354,436,000 | 363,369,000 | 356,484,000 |
| Noninterest-bearing deposits | 33,072,000 | 34,558,000 | 40,659,000 | 32,451,000 |
| Equity capital | 52,600,000 | 53,662,000 | 54,750,000 | 55,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,631,000 | 13,093,000 | 19,519,000 | 25,827,000 |
| Interest expense | 2,158,000 | 4,174,000 | 5,961,000 | 7,642,000 |
| Net interest income | 4,473,000 | 8,919,000 | 13,558,000 | 18,185,000 |
| Noninterest income | 620,000 | 1,349,000 | 1,976,000 | 2,539,000 |
| Noninterest expense | 3,323,000 | 6,733,000 | 10,079,000 | 13,519,000 |
| Provision for loan losses | 204,000 | 411,000 | 617,000 | 822,000 |
| Pretax income | 1,566,000 | 3,124,000 | 4,838,000 | 6,401,000 |
| Income tax | 529,000 | 1,066,000 | 1,578,000 | 2,112,000 |
| Net income | 1,037,000 | 2,058,000 | 3,260,000 | 4,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,382,000 | 52,377,000 | 53,272,000 | 54,327,000 |
| Total capital | 53,834,000 | 55,037,000 | 56,135,000 | 57,384,000 |
| Risk-weighted assets | 305,111,000 | 316,761,000 | 317,132,000 | 317,646,000 |