Cape Bancorp (Cape Bancorp) Retained Earnings : $47.45 Mil (As of Dec. 2015)

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What is Cape Bancorp Retained Earnings?

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Cape Bancorp's retained earnings for the quarter that ended in Dec. 2015 was $47.45 Mil.

Cape Bancorp's quarterly retained earnings increased from Jun. 2015 ($44.98 Mil) to Sep. 2015 ($46.66 Mil) and increased from Sep. 2015 ($46.66 Mil) to Dec. 2015 ($47.45 Mil).

Cape Bancorp's annual retained earnings increased from Dec. 2013 ($35.19 Mil) to Dec. 2014 ($39.35 Mil) and increased from Dec. 2014 ($39.35 Mil) to Dec. 2015 ($47.45 Mil).

Cape Bancorp Retained Earnings Historical Data

The historical data trend for Cape Bancorp's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Cape Bancorp Retained Earnings Chart

Cape Bancorp Annual Data

Trend

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Retained Earnings

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28.20

32.13

35.19

39.35

47.45

Cape Bancorp Quarterly Data
	Mar11	Jun11	Sep11	Dec11	Mar12	Jun12	Sep12	Dec12	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15
Retained Earnings	Get a 7-Day Free Trial															39.35	39.68	44.98	46.66	47.45

Cape Bancorp Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Cape Bancorp (NAS:CBNJ) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.

Cape Bancorp (Cape Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Cape Bancorp Inc (NAS:CBNJ) » Definitions » Retained Earnings

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Address

Website

http://www.capesb.com

Cape Bancorp Inc., is a Maryland corporation that was incorporated on September 14, 2007. It is a bank holding company of Cape Bank. The Bank provides a complete line of business and personal banking products throughout its branch network located throughout Atlantic and Cape May counties in southern New Jersey. It is a community bank focused on providing deposit and loan products to retail customers and to small and mid-sized businesses. It attracts deposits from the general public and uses those funds to originate a variety of loans, including commercial mortgages, commercial business loans, residential mortgage loans, home equity loans and lines of credit and construction loans. Its retail and business banking deposit products include savings accounts, checking accounts, money market accounts, and certificates of deposit with terms ranging from 30 days to 60 months. The Company also maintains an investment portfolio. It offers a variety of loans, including commercial mortgages, commercial loans, residential mortgage loans, home equity loans and lines of credit, and construction loans. The Bank offers commercial mortgage loans secured by real estate mainly with interest rates that adjust every three to five years. It offers two types of residential mortgage loans: fixed-rate loans and adjustable-rate loans. It offers fixed rate mortgage loans with terms of up to 30 years. It offers commercial business loans to professionals, sole proprietorships and small businesses in its market area. It offers interim construction financing secured by residential property for the purpose of constructing one- to four-family homes. It offers consumer loans secured by certificates of deposit held at Cape Bank, the pricing of which is based upon the rate of the certificate of deposit. The Company faces competition for investors' funds from money market funds, mutual funds and other corporate and government securities.

Executives

Thomas K Ritter	director	120 CAMBRIDGE AVENUE, LINWOOD NJ 08221
James F. Deutsch	director	C/O STERLING NATIONAL BANK, 400 RELLA BOULEVARD, MONTEBELLO NY 10901
Michael D Devlin	director, officer: President and CEO	834 CENTRAL AVENUE, P.O. BOX 189, HAMMONTON NJ 08037
James J Lynch	director	PATRIOT FINANCIAL PARTNERS, LP, 2929 ARCH STREET, 27TH FLOOR, PHILADELPHIA PA 19104

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