Call reports 2004
CAPE & COAST BANK — 2004
What CAPE & COAST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 365,148,000 | 384,304,000 | 391,325,000 | 385,920,000 |
| Total loans | 257,933,000 | 282,344,000 | 286,392,000 | 294,444,000 |
| Allowance for loan losses | 2,836,000 | 2,818,000 | 2,887,000 | 2,964,000 |
| Securities available for sale | 76,711,000 | 68,737,000 | 68,181,000 | 66,446,000 |
| Securities held to maturity | 1,211,000 | 1,007,000 | 648,000 | 649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,947,000 | 314,223,000 | 325,496,000 | 323,259,000 |
| Interest-bearing deposits | 270,975,000 | 303,012,000 | 313,079,000 | 313,250,000 |
| Noninterest-bearing deposits | 25,972,000 | 11,211,000 | 12,417,000 | 10,009,000 |
| Equity capital | 34,848,000 | 34,634,000 | 35,591,000 | 36,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,189,000 | 8,400,000 | 12,826,000 | 17,384,000 |
| Interest expense | 1,454,000 | 2,928,000 | 4,548,000 | 6,127,000 |
| Net interest income | 2,735,000 | 5,472,000 | 8,278,000 | 11,257,000 |
| Noninterest income | 401,000 | 748,000 | 1,134,000 | 1,537,000 |
| Noninterest expense | 2,286,000 | 4,186,000 | 6,126,000 | 8,277,000 |
| Provision for loan losses | 89,000 | 158,000 | 227,000 | 296,000 |
| Pretax income | 838,000 | 1,982,000 | 3,166,000 | 4,348,000 |
| Income tax | 308,000 | 761,000 | 1,228,000 | 1,651,000 |
| Net income | 530,000 | 1,221,000 | 1,938,000 | 2,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,463,000 | 34,093,000 | 34,871,000 | 35,630,000 |
| Total capital | 36,703,000 | 37,341,000 | 38,173,000 | 39,037,000 |
| Risk-weighted assets | 226,331,000 | 239,106,000 | 249,334,000 | 248,933,000 |