Call reports 2003
CAPE & COAST BANK — 2003
What CAPE & COAST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 343,856,000 | 352,956,000 | 355,560,000 | 361,171,000 |
| Total loans | 238,593,000 | 239,847,000 | 239,112,000 | 248,753,000 |
| Allowance for loan losses | 2,617,000 | 2,663,000 | 2,744,000 | 2,762,000 |
| Securities available for sale | 72,022,000 | 72,956,000 | 76,381,000 | 78,908,000 |
| Securities held to maturity | 1,582,000 | 1,431,000 | 1,432,000 | 1,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,187,000 | 297,717,000 | 301,920,000 | 298,509,000 |
| Interest-bearing deposits | 265,237,000 | 273,636,000 | 275,652,000 | 272,864,000 |
| Noninterest-bearing deposits | 20,950,000 | 24,081,000 | 26,268,000 | 25,645,000 |
| Equity capital | 31,414,000 | 32,489,000 | 33,528,000 | 34,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,377,000 | 8,649,000 | 12,827,000 | 16,949,000 |
| Interest expense | 1,675,000 | 3,272,000 | 4,775,000 | 6,244,000 |
| Net interest income | 2,702,000 | 5,377,000 | 8,052,000 | 10,705,000 |
| Noninterest income | 917,000 | 1,602,000 | 2,175,000 | 2,608,000 |
| Noninterest expense | 1,924,000 | 3,596,000 | 5,292,000 | 7,074,000 |
| Provision for loan losses | 69,000 | 138,000 | 223,000 | 256,000 |
| Pretax income | 1,578,000 | 3,199,000 | 4,691,000 | 5,965,000 |
| Income tax | 1,087,000 | 1,727,000 | 1,988,000 | 2,485,000 |
| Net income | 491,000 | 1,472,000 | 2,703,000 | 3,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,944,000 | 30,925,000 | 32,156,000 | 32,933,000 |
| Total capital | 32,788,000 | 33,917,000 | 35,219,000 | 36,145,000 |
| Risk-weighted assets | 205,828,000 | 211,053,000 | 216,096,000 | 223,970,000 |