Call reports 2006
CAPE & COAST BANK — 2006
What CAPE & COAST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 432,219,000 | 470,313,000 | 461,795,000 | 464,329,000 |
| Total loans | 334,099,000 | 342,811,000 | 349,930,000 | 355,969,000 |
| Allowance for loan losses | 3,875,000 | 4,006,000 | 4,064,000 | 4,115,000 |
| Securities available for sale | 59,862,000 | 61,154,000 | 72,854,000 | 77,048,000 |
| Securities held to maturity | 649,000 | 650,000 | 650,000 | 488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,334,000 | 364,697,000 | 356,632,000 | 338,278,000 |
| Interest-bearing deposits | 324,551,000 | 352,439,000 | 344,686,000 | 324,934,000 |
| Noninterest-bearing deposits | 11,783,000 | 12,258,000 | 11,946,000 | 13,344,000 |
| Equity capital | 39,410,000 | 40,192,000 | 41,870,000 | 42,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,672,000 | 11,764,000 | 18,251,000 | 24,847,000 |
| Interest expense | 2,230,000 | 4,933,000 | 7,965,000 | 11,153,000 |
| Net interest income | 3,442,000 | 6,831,000 | 10,286,000 | 13,694,000 |
| Noninterest income | 341,000 | 861,000 | 1,397,000 | 2,008,000 |
| Noninterest expense | 2,585,000 | 4,983,000 | 7,435,000 | 9,978,000 |
| Provision for loan losses | 225,000 | 355,000 | 430,000 | 505,000 |
| Pretax income | 973,000 | 2,354,000 | 3,818,000 | 5,220,000 |
| Income tax | 271,000 | 741,000 | 1,197,000 | 1,659,000 |
| Net income | 702,000 | 1,613,000 | 2,621,000 | 3,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,522,000 | 40,432,000 | 41,440,000 | 42,270,000 |
| Total capital | 43,627,000 | 44,705,000 | 45,837,000 | 46,759,000 |
| Risk-weighted assets | 292,545,000 | 307,515,000 | 312,705,000 | 314,710,000 |