Call reports 2007
CAPE BANK — 2007
What CAPE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 613,414,000 | 615,186,000 | 620,054,000 | 633,813,000 |
| Total loans | 454,114,000 | 453,602,000 | 454,741,000 | 464,378,000 |
| Allowance for loan losses | 4,015,000 | 3,933,000 | 4,002,000 | 4,120,000 |
| Securities available for sale | 56,394,000 | 57,077,000 | 63,485,000 | 62,129,000 |
| Securities held to maturity | 41,995,000 | 43,196,000 | 43,484,000 | 45,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,164,000 | 473,602,000 | 490,797,000 | 488,415,000 |
| Interest-bearing deposits | 395,204,000 | 422,662,000 | 437,274,000 | 446,289,000 |
| Noninterest-bearing deposits | 48,960,000 | 50,940,000 | 53,523,000 | 42,127,000 |
| Equity capital | 70,163,000 | 71,059,000 | 72,670,000 | 72,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,998,000 | 18,140,000 | 27,408,000 | 36,729,000 |
| Interest expense | 4,202,000 | 8,522,000 | 12,828,000 | 17,147,000 |
| Net interest income | 4,796,000 | 9,618,000 | 14,580,000 | 19,582,000 |
| Noninterest income | 961,000 | 1,908,000 | 2,791,000 | 3,695,000 |
| Noninterest expense | 4,141,000 | 8,312,000 | 12,176,000 | 18,193,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 357,000 |
| Pretax income | 1,538,000 | 3,058,000 | 4,961,000 | 4,727,000 |
| Income tax | 466,000 | 1,005,000 | 1,567,000 | 1,299,000 |
| Net income | 1,072,000 | 2,053,000 | 3,394,000 | 3,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,615,000 | 68,834,000 | 70,188,000 | 69,295,000 |
| Total capital | 71,686,000 | 72,823,000 | 74,246,000 | 73,471,000 |
| Risk-weighted assets | 405,808,000 | 404,845,000 | 415,270,000 | 423,986,000 |