Call reports 2005
CAPE & COAST BANK — 2005
What CAPE & COAST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 397,499,000 | 409,815,000 | 412,057,000 | 424,883,000 |
| Total loans | 300,806,000 | 309,121,000 | 319,893,000 | 334,705,000 |
| Allowance for loan losses | 3,032,000 | 3,159,000 | 3,322,000 | 3,621,000 |
| Securities available for sale | 64,836,000 | 63,485,000 | 62,270,000 | 62,077,000 |
| Securities held to maturity | 649,000 | 649,000 | 649,000 | 649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,266,000 | 339,051,000 | 336,291,000 | 336,019,000 |
| Interest-bearing deposits | 318,756,000 | 327,313,000 | 323,968,000 | 325,458,000 |
| Noninterest-bearing deposits | 11,510,000 | 11,738,000 | 12,323,000 | 10,561,000 |
| Equity capital | 36,447,000 | 37,450,000 | 38,086,000 | 38,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,619,000 | 9,464,000 | 14,608,000 | 20,083,000 |
| Interest expense | 1,567,000 | 3,201,000 | 4,979,000 | 7,004,000 |
| Net interest income | 3,052,000 | 6,263,000 | 9,629,000 | 13,079,000 |
| Noninterest income | 598,000 | 1,039,000 | 1,412,000 | 1,767,000 |
| Noninterest expense | 2,466,000 | 4,729,000 | 7,006,000 | 9,277,000 |
| Provision for loan losses | 69,000 | 189,000 | 414,000 | 714,000 |
| Pretax income | 1,115,000 | 2,384,000 | 3,621,000 | 4,855,000 |
| Income tax | 421,000 | 878,000 | 1,278,000 | 1,666,000 |
| Net income | 694,000 | 1,506,000 | 2,343,000 | 3,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,324,000 | 37,136,000 | 37,973,000 | 38,819,000 |
| Total capital | 39,785,000 | 40,711,000 | 41,723,000 | 42,825,000 |
| Risk-weighted assets | 259,446,000 | 267,415,000 | 273,149,000 | 286,411,000 |