Call reports 2008
CAPE & COAST BANK — 2008
What CAPE & COAST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 555,353,000 | 586,219,000 | 593,756,000 | 575,452,000 |
| Total loans | 423,022,000 | 459,781,000 | 447,795,000 | 460,002,000 |
| Allowance for loan losses | 4,010,000 | 4,128,000 | 4,255,000 | 4,705,000 |
| Securities available for sale | 72,327,000 | 71,933,000 | 68,815,000 | 66,602,000 |
| Securities held to maturity | 487,000 | 252,000 | 251,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,020,000 | 389,804,000 | 408,225,000 | 395,081,000 |
| Interest-bearing deposits | 358,085,000 | 373,726,000 | 389,838,000 | 379,434,000 |
| Noninterest-bearing deposits | 17,935,000 | 16,078,000 | 18,387,000 | 15,647,000 |
| Equity capital | 46,597,000 | 46,744,000 | 45,694,000 | 46,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,508,000 | 15,150,000 | 22,914,000 | 30,367,000 |
| Interest expense | 4,039,000 | 7,871,000 | 11,602,000 | 15,004,000 |
| Net interest income | 3,469,000 | 7,279,000 | 11,312,000 | 15,363,000 |
| Noninterest income | 749,000 | 1,236,000 | 1,933,000 | 2,061,000 |
| Noninterest expense | 3,329,000 | 6,162,000 | 9,167,000 | 12,096,000 |
| Provision for loan losses | 0 | 135,000 | 305,000 | 898,000 |
| Pretax income | 969,000 | 2,310,000 | 1,950,000 | 2,363,000 |
| Income tax | 279,000 | 720,000 | 863,000 | 735,000 |
| Net income | 690,000 | 1,590,000 | 1,087,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,078,000 | 46,978,000 | 46,618,000 | 46,417,000 |
| Total capital | 50,438,000 | 51,395,000 | 50,873,000 | 51,122,000 |
| Risk-weighted assets | 370,076,000 | 395,835,000 | 397,692,000 | 405,795,000 |