Call reports 2008
CAPE BANK — 2008
What CAPE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,160,606,000 | 1,158,633,000 | 1,127,999,000 | 1,090,717,000 |
| Total loans | 799,525,000 | 809,509,000 | 789,838,000 | 795,346,000 |
| Allowance for loan losses | 8,175,000 | 8,708,000 | 9,949,000 | 11,240,000 |
| Securities available for sale | 154,949,000 | 148,784,000 | 132,692,000 | 115,392,000 |
| Securities held to maturity | 44,867,000 | 47,713,000 | 47,452,000 | 48,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 790,536,000 | 747,014,000 | 731,589,000 | 713,584,000 |
| Interest-bearing deposits | 724,197,000 | 668,656,000 | 655,490,000 | 647,872,000 |
| Noninterest-bearing deposits | 66,339,000 | 78,358,000 | 76,099,000 | 65,712,000 |
| Equity capital | 174,494,000 | 170,917,000 | 165,934,000 | 128,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 13,544,000 | 28,777,000 | 44,077,000 | 58,625,000 |
| Interest expense | 6,290,000 | 12,736,000 | 18,981,000 | 24,835,000 |
| Net interest income | 7,254,000 | 16,041,000 | 25,096,000 | 33,790,000 |
| Noninterest income | 962,000 | 1,896,000 | 3,046,000 | 4,114,000 |
| Noninterest expense | 12,213,000 | 19,414,000 | 25,910,000 | 64,080,000 |
| Provision for loan losses | 283,000 | 840,000 | 2,149,000 | 9,009,000 |
| Pretax income | -4,280,000 | -2,516,000 | -2,329,000 | -50,784,000 |
| Income tax | -2,009,000 | -1,618,000 | -2,051,000 | -8,218,000 |
| Net income | -2,271,000 | -898,000 | -278,000 | -42,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,673,000 | 111,068,000 | 107,335,000 | 108,922,000 |
| Total capital | 120,904,000 | 119,856,000 | 117,373,000 | 119,403,000 |
| Risk-weighted assets | 856,279,000 | 869,462,000 | 842,949,000 | 837,650,000 |