Call reports 2005
CAPE BANK — 2005
What CAPE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 537,713,000 | 550,774,000 | 564,200,000 | 574,524,000 |
| Total loans | 381,715,000 | 393,627,000 | 404,174,000 | 413,809,000 |
| Allowance for loan losses | 3,651,000 | 3,699,000 | 3,744,000 | 3,792,000 |
| Securities available for sale | 77,361,000 | 71,932,000 | 67,123,000 | 69,067,000 |
| Securities held to maturity | 29,848,000 | 27,466,000 | 25,612,000 | 25,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,782,000 | 423,104,000 | 435,486,000 | 433,529,000 |
| Interest-bearing deposits | 374,263,000 | 374,051,000 | 385,141,000 | 391,010,000 |
| Noninterest-bearing deposits | 44,519,000 | 49,053,000 | 50,345,000 | 42,519,000 |
| Equity capital | 60,071,000 | 61,141,000 | 62,559,000 | 63,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,701,000 | 13,783,000 | 21,232,000 | 28,948,000 |
| Interest expense | 1,939,000 | 4,216,000 | 6,737,000 | 9,692,000 |
| Net interest income | 4,762,000 | 9,567,000 | 14,495,000 | 19,256,000 |
| Noninterest income | 555,000 | 1,193,000 | 2,186,000 | 2,969,000 |
| Noninterest expense | 3,659,000 | 7,651,000 | 11,351,000 | 15,288,000 |
| Provision for loan losses | 48,000 | 96,000 | 145,000 | 193,000 |
| Pretax income | 1,610,000 | 3,013,000 | 5,185,000 | 6,744,000 |
| Income tax | 626,000 | 1,157,000 | 1,721,000 | 2,320,000 |
| Net income | 984,000 | 1,856,000 | 3,464,000 | 4,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,562,000 | 59,485,000 | 60,959,000 | 61,713,000 |
| Total capital | 62,213,000 | 63,184,000 | 64,703,000 | 65,505,000 |
| Risk-weighted assets | 347,060,000 | 355,193,000 | 362,478,000 | 373,369,000 |