Call reports 2009
CAPE & COAST BANK — 2009
What CAPE & COAST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 586,804,000 | 585,752,000 | 585,005,000 | 584,070,000 |
| Total loans | 462,446,000 | 465,552,000 | 462,207,000 | 469,949,000 |
| Allowance for loan losses | 5,757,000 | 6,811,000 | 7,024,000 | 7,436,000 |
| Securities available for sale | 67,097,000 | 66,222,000 | 65,938,000 | 62,455,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,495,000 | 421,465,000 | 441,660,000 | 436,908,000 |
| Interest-bearing deposits | 388,651,000 | 403,340,000 | 423,955,000 | 420,593,000 |
| Noninterest-bearing deposits | 15,844,000 | 18,125,000 | 17,705,000 | 16,315,000 |
| Equity capital | 47,059,000 | 48,555,000 | 50,359,000 | 51,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,249,000 | 14,482,000 | 21,544,000 | 28,478,000 |
| Interest expense | 3,135,000 | 6,045,000 | 8,728,000 | 10,916,000 |
| Net interest income | 4,114,000 | 8,437,000 | 12,816,000 | 17,562,000 |
| Noninterest income | 1,250,000 | 2,235,000 | 3,011,000 | 3,917,000 |
| Noninterest expense | 3,045,000 | 6,163,000 | 9,033,000 | 11,821,000 |
| Provision for loan losses | 1,169,000 | 2,656,000 | 3,744,000 | 4,791,000 |
| Pretax income | 928,000 | 1,652,000 | 2,871,000 | 4,651,000 |
| Income tax | 38,000 | 246,000 | 670,000 | 1,324,000 |
| Net income | 890,000 | 1,406,000 | 2,201,000 | 3,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,285,000 | 48,210,000 | 49,218,000 | 50,344,000 |
| Total capital | 52,460,000 | 53,423,000 | 54,364,000 | 55,588,000 |
| Risk-weighted assets | 413,429,000 | 415,300,000 | 408,787,000 | 412,245,000 |