Call reports 2006
CAPE BANK — 2006
What CAPE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 589,056,000 | 602,279,000 | 609,000,000 | 609,765,000 |
| Total loans | 422,518,000 | 435,350,000 | 440,150,000 | 451,131,000 |
| Allowance for loan losses | 3,855,000 | 3,914,000 | 3,963,000 | 4,009,000 |
| Securities available for sale | 65,386,000 | 67,427,000 | 71,573,000 | 62,484,000 |
| Securities held to maturity | 33,848,000 | 37,221,000 | 36,386,000 | 38,731,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,162,000 | 446,343,000 | 458,842,000 | 437,027,000 |
| Interest-bearing deposits | 394,544,000 | 397,309,000 | 400,965,000 | 391,639,000 |
| Noninterest-bearing deposits | 52,618,000 | 49,034,000 | 57,877,000 | 45,388,000 |
| Equity capital | 64,703,000 | 65,623,000 | 67,651,000 | 68,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,168,000 | 16,722,000 | 25,542,000 | 34,496,000 |
| Interest expense | 3,269,000 | 6,908,000 | 10,781,000 | 14,875,000 |
| Net interest income | 4,899,000 | 9,814,000 | 14,761,000 | 19,621,000 |
| Noninterest income | 765,000 | 1,583,000 | 2,403,000 | 3,281,000 |
| Noninterest expense | 4,030,000 | 8,119,000 | 12,175,000 | 16,140,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 312,000 |
| Pretax income | 1,556,000 | 3,122,000 | 5,626,000 | 7,229,000 |
| Income tax | 304,000 | 838,000 | 1,707,000 | 2,228,000 |
| Net income | 1,252,000 | 2,284,000 | 3,919,000 | 5,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,729,000 | 63,658,000 | 65,333,000 | 66,546,000 |
| Total capital | 66,584,000 | 67,572,000 | 69,296,000 | 70,555,000 |
| Risk-weighted assets | 379,898,000 | 391,055,000 | 393,136,000 | 401,198,000 |