Call reports 2007
CAPE & COAST BANK — 2007
What CAPE & COAST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 486,699,000 | 507,211,000 | 518,001,000 | 530,131,000 |
| Total loans | 368,887,000 | 385,329,000 | 394,990,000 | 412,179,000 |
| Allowance for loan losses | 4,181,000 | 4,187,000 | 4,039,000 | 4,048,000 |
| Securities available for sale | 74,148,000 | 71,690,000 | 73,676,000 | 72,924,000 |
| Securities held to maturity | 488,000 | 488,000 | 488,000 | 487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,241,000 | 355,222,000 | 375,497,000 | 360,130,000 |
| Interest-bearing deposits | 333,880,000 | 338,284,000 | 359,647,000 | 343,046,000 |
| Noninterest-bearing deposits | 12,361,000 | 16,938,000 | 15,850,000 | 17,084,000 |
| Equity capital | 43,498,000 | 43,762,000 | 45,159,000 | 46,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,636,000 | 13,637,000 | 21,036,000 | 28,519,000 |
| Interest expense | 3,423,000 | 7,135,000 | 11,127,000 | 15,218,000 |
| Net interest income | 3,213,000 | 6,502,000 | 9,909,000 | 13,301,000 |
| Noninterest income | 436,000 | 869,000 | 1,345,000 | 1,915,000 |
| Noninterest expense | 2,857,000 | 5,350,000 | 7,962,000 | 10,748,000 |
| Provision for loan losses | 75,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 717,000 | 1,921,000 | 3,226,000 | 4,403,000 |
| Income tax | 173,000 | 585,000 | 991,000 | 1,285,000 |
| Net income | 544,000 | 1,336,000 | 2,235,000 | 3,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,814,000 | 43,606,000 | 44,505,000 | 45,388,000 |
| Total capital | 47,390,000 | 48,385,000 | 49,186,000 | 50,014,000 |
| Risk-weighted assets | 322,956,000 | 334,065,000 | 341,155,000 | 352,698,000 |