Call reports 2004
CAPE BANK — 2004
What CAPE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 499,291,000 | 514,498,000 | 528,362,000 | 532,584,000 |
| Total loans | 347,028,000 | 352,427,000 | 366,391,000 | 366,408,000 |
| Allowance for loan losses | 3,194,000 | 3,328,000 | 3,465,000 | 3,603,000 |
| Securities available for sale | 66,012,000 | 71,976,000 | 74,457,000 | 81,640,000 |
| Securities held to maturity | 31,414,000 | 31,434,000 | 31,907,000 | 31,505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,503,000 | 402,650,000 | 429,984,000 | 421,214,000 |
| Interest-bearing deposits | 353,154,000 | 360,299,000 | 383,968,000 | 377,811,000 |
| Noninterest-bearing deposits | 37,349,000 | 42,351,000 | 46,016,000 | 43,403,000 |
| Equity capital | 56,760,000 | 57,175,000 | 58,370,000 | 59,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,243,000 | 12,527,000 | 18,862,000 | 25,704,000 |
| Interest expense | 1,654,000 | 3,288,000 | 4,985,000 | 6,817,000 |
| Net interest income | 4,589,000 | 9,239,000 | 13,877,000 | 18,887,000 |
| Noninterest income | 607,000 | 1,286,000 | 1,833,000 | 2,424,000 |
| Noninterest expense | 3,416,000 | 7,022,000 | 10,611,000 | 14,256,000 |
| Provision for loan losses | 137,000 | 275,000 | 412,000 | 550,000 |
| Pretax income | 1,643,000 | 3,224,000 | 4,684,000 | 6,502,000 |
| Income tax | 551,000 | 1,072,000 | 1,593,000 | 2,238,000 |
| Net income | 1,092,000 | 2,152,000 | 3,091,000 | 4,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,156,000 | 55,684,000 | 56,622,000 | 57,639,000 |
| Total capital | 58,350,000 | 59,012,000 | 60,087,000 | 61,242,000 |
| Risk-weighted assets | 318,905,000 | 325,080,000 | 331,444,000 | 334,735,000 |