sc13dza

0000950134-07-022054.txt : 20071026 0000950134-07-022054.hdr.sgml : 20071026 20071026152140 ACCESSION NUMBER: 0000950134-07-022054 CONFORMED SUBMISSION TYPE: SC 13D/A PUBLIC DOCUMENT COUNT: 3 FILED AS OF DATE: 20071026 DATE AS OF CHANGE: 20071026 GROUP MEMBERS: THE MAURICE AND ANN KOURY CHARITABLE TRUST GROUP MEMBERS: THE MAURICE J KOURY FOUNDATION INC SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: Cape Fear Bank CORP CENTRAL INDEX KEY: 0001334872 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 203035898 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13D/A SEC ACT: 1934 Act SEC FILE NUMBER: 005-81146 FILM NUMBER: 071193354 BUSINESS ADDRESS: STREET 1: 1117 MILITARY CUTOFF ROAD CITY: WILMINGTON STATE: NC ZIP: 28405 BUSINESS PHONE: 910-509-2000 MAIL ADDRESS: STREET 1: 1117 MILITARY CUTOFF ROAD CITY: WILMINGTON STATE: NC ZIP: 28405 FORMER COMPANY: FORMER CONFORMED NAME: Bank of Wilmington CORP DATE OF NAME CHANGE: 20050801 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: Koury Maurice J CENTRAL INDEX KEY: 0001414207 FILING VALUES: FORM TYPE: SC 13D/A BUSINESS ADDRESS: BUSINESS PHONE: 336-570-2129 MAIL ADDRESS: STREET 1: P.O. BOX 850 CITY: BURLINGTON STATE: NC ZIP: 27216 SC 13D/A 1 d50778sc13dza.htm AMENDMENT TO SCHEDULE 13D sc13dza

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 1)*

Cape Fear Bank Corporation

(Name of Issuer)

Common Stock, Par Value $3.50
(Title of Class of Securities)

139380109

(CUSIP Number)

Michael G. Keeley, Esq.
Hunton & Williams LLP
1445 Ross Ave. Suite 3700
Dallas, Texas 75202
(214) 468-3345
(Name, Address and Telephone Number of Person Authorized to Receive
Notices and Communications)

October 24, 2007

(Date of Event which Requires Filing of this Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of Section 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box. o

Note: Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See Rule 13d-7 for other parties to whom copies are to be sent.

* The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).


CUSIP No.		139380109

NAME OF REPORTING PERSON
IRS IDENTIFICATION NO. OF REPORTING PERSON (ENTITIES ONLY):

Maurice J. Koury

CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions):

(a) þ

(b) o

SEC USE ONLY

SOURCE OF FUNDS (See Instructions):

PF, BK

CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e):

CITIZENSHIP OR PLACE OF ORGANIZATION:

United States

SOLE VOTING POWER

NUMBER OF

86,336

SHARED VOTING POWER

BENEFICIALLY

OWNED BY

219,212

EACH

SOLE DISPOSITIVE POWER

REPORTING

PERSON

86,336

WITH

SHARED DISPOSITIVE POWER

219,212

AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON:

219,212

CHECK IF THE AGGREGATE AMOUNT IN ROW 11 EXCLUDES CERTAIN SHARES (See Instructions):

PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW

11: 5.81% (1)

TYPE OF REPORTING PERSON (See Instructions):

(1) Based on 3,766,295 shares of common stock of Cape Fear Bank Corp. (the “Company”) issued and outstanding as of August 6, 2007, as set forth in the Company’s Quarterly Report under Section 13 or 15(d) of the Securities Exchange Act of 1934, for the quarterly period ended June 30, 2007.


CUSIP No.		139380109


1	NAME OF REPORTING PERSON IRS IDENTIFICATION NO. OF REPORTING PERSON (ENTITIES ONLY): The Maurice and Ann Koury Charitable Trust 20-6718747


2	CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions):
	(a) þ
	(b) o

3	SEC USE ONLY



4	SOURCE OF FUNDS (SEE INSTRUCTIONS):

	PF

5	CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e):

	o

6	CITIZENSHIP OR PLACE OF ORGANIZATION:

	North Carolina

		7	SOLE VOTING POWER

NUMBER OF			127,626

SHARES		8	SHARED VOTING POWER
BENEFICIALLY
OWNED BY			-0-

EACH		9	SOLE DISPOSITIVE POWER
REPORTING
PERSON			127,626

WITH		10	SHARED DISPOSITIVE POWER

			-0-

11	AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON:

	127,626

12	CHECK IF THE AGGREGATE AMOUNT IN ROW 11 EXCLUDES CERTAIN SHARES (See Instructions):

	o

13	PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW

	11: 3.4% (2)

14	TYPE OF REPORTING PERSON (See Instructions):

	00

(2) Based on 3,766,295 shares of common stock of the Company issued and outstanding as of August 6, 2007, as set forth in the Company’s Quarterly Report under Section 13 or 15(d) of the Securities Exchange Act of 1934, for the quarterly period ended June 30, 2007.


CUSIP No.		139380109

NAME OF REPORTING PERSON
IRS IDENTIFICATION NO. OF REPORTING PERSON (ENTITIES ONLY):

The Maurice J. Koury Foundation, Inc. 56-1781568

CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (See Instructions):

(a) þ

(b) o

SEC USE ONLY

SOURCE OF FUNDS (SEE INSTRUCTIONS):

CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e):

CITIZENSHIP OR PLACE OF ORGANIZATION:

North Carolina

SOLE VOTING POWER

NUMBER OF

5,250

SHARED VOTING POWER

BENEFICIALLY

OWNED BY

-0-

EACH

SOLE DISPOSITIVE POWER

REPORTING

PERSON

5,250

WITH

SHARED DISPOSITIVE POWER

-0-

AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

5,250

CHECK IF THE AGGREGATE AMOUNT IN ROW 11 EXCLUDES CERTAIN SHARES (See Instructions):

PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW

11: 0.1% (3)

TYPE OF REPORTING PERSON (See Instructions):

(3) Based on 3,766,295 shares of common stock of the Company issued and outstanding as of August 6, 2007, as set forth in the Company’s Quarterly Report under Section 13 or 15(d) of the Securities Exchange Act of 1934, for the quarterly period ended June 30, 2007.

SCHEDULE 13D

This amendment number 1 (“Amendment No. 1”) amends the Schedule 13D previously filed on October 3, 2007 (the “Schedule”) on behalf of the Reporting Persons with respect to the Reporting Persons’ beneficial ownership of shares of common stock, par value $3.50 per share, of Cape Fear Bank Corp., a North Carolina corporation (the “Company”). All defined terms refer to terms defined herein or in the Schedule. This Amendment No. 1 speaks only as of its date. The Schedule is amended only to the extent set forth herein.

Item 3. Source and Amount of Funds or Other Consideration.

The aggregate purchase price of the shares covered by this Amendment No. 1 is $274,500.29. The purchases by Mr. Koury were made from personal funds and a line of credit from a bank, as defined in Section 3(a)(6) of the Securities Exchange Act of 1934, as amended, in the ordinary course of business.

Item 4. Purpose of the Transaction.

The shares covered by this statement were acquired for investment purposes. The Reporting Persons may decide, jointly or individually, to purchase additional shares of the Company. In addition, the Reporting Persons, jointly or individually, may dispose of any or all shares of the Company in any manner permitted by applicable securities laws.

On October 24, 2007, Mr. Koury, as a representative of the Reporting Persons, sent a letter to John Cameron Coburn, Chairman, CEO and President, with a copy to each director of the Company.

A copy of the October 24, 2007 letter is attached as Exhibit 4 hereto and is incorporated herein by reference.

Item 5. Interest in Securities of the Issuer.

(a) As of the close of business on October 24, 2007, Mr. Koury individually holds 86,336 shares representing approximately 2.29% of the Company’s common stock, the Trust holds 127,626 shares representing 3.39% of the Company’s common stock and the Foundation holds 5,250 shares representing 0.14% of the Company’s outstanding common stock. Accordingly, the Reporting Persons owned beneficially an aggregate of 219,212 shares of Company common stock, representing an approximately 5.81% of the Company’s issued and outstanding common stock as of August 6, 2007.

(b) Mr. Koury, individually, in his capacity as a trustee of the Trust and as Chairman of the Board of Directors of the Foundation, may be deemed to own beneficially (as defined in Rule 13d-3 promulgated under the Exchange Act) 219,212 shares of common stock of the Company representing approximately 5.81% of the Company’s outstanding common stock as of August 6, 2007.

(c) The schedule below lists purchasers of the Company’s common stock by the Reporting Persons subsequent to those transactions previously reported on the Schedule. All such purchases were made in open market transactions. Except as previously disclosed or as disclosed in this Item 5, none of the Reporting Persons has effected transactions in the Company’s common stock.


Date	Number of Shares		Price Per Share		Purchased By
10/1/07		9,210	$	9.10	Koury
10/2/07		15,000	$	8.90-9.10	Koury
10/18/07		100	$	10.00	Koury
10/19/07		5,282	$	10.24-10.25	Koury

Item 7. Material to Be Filed as Exhibits.


Exhibit 1.*		Joint Filing Agreement, dated October 3, 2007, by Maurice J. Koury, Maurice and Ann Koury Charitable Trust and the Maurice J. Koury Foundation, Inc.

Exhibit 2.*		Promissory Note, dated August 21, 2007

Exhibit 3.*		Letter, dated September 26, 2007, to John Cameron Coburn (Chairman, President and CEO) and Walter Lee Crouch Jr. (Vice Chairman)

Exhibit 4.		Letter, dated October 24, 2007, to John Cameron Coburn (Chairman, President and CEO)

* Previously filed

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.



Date: October 26, 2007.	By:	/s/ Maurice J. Koury
		Maurice J. Koury, Individually



Date: October 26, 2007.	By:	/s/ Maurice J. Koury
		Maurice J. Koury, Trustee of the Maurice and
		Ann Koury Charitable Trust


Date: October 26, 2007.	By:	/s/ Maurice J. Koury
		Maurice J. Koury, Chairman of the Board of
		the Maurice J. Koury Foundation, Inc.

EX-99.4 2 d50778exv99w4.htm LETTER exv99w4

EXHIBIT 4

MAURICE J. KOURY
P.O. BOX 850
BURLINGTON, NC 27216

October 24, 2007

John Cameron Coburn (Chairman, President and CEO)
Cape Fear Bank Corporation
1117 Military Cutoff Road
Wilmington, North Carolina 28405

Dear Mr. Coburn:

I received your letter of October 15, 2007 and appreciate that the board of directors (the “Board”) of Cape Fear Bank Corporation (the “Company”) will address my concerns at its next meeting. Please advise me of the date of that meeting as I would like to express my concerns and thoughts to the full Board in person. I also see from reading in the October 23 edition of the Wilmington Star newspaper that the Company has retained “an investment banking firm.” According to your statement in the newspaper, the investment banking firm you retained found that it is “premature to abandon the bank’s long-term plan for success...” Arguably, the “long-term plan for success” will need to be dramatically different from the past nine year’s lack of success measured by shareholder returns. I would greatly appreciate seeing this analysis and the assumptions used in the Company’s investment banker’s analysis. The fact remains, however, that the Company’s stock performance is among the worst performing bank stocks of the de novo banks that have been started in North Carolina over the past nine years. Consequently, I am wondering what dramatic changes the Board intends to make in order to maximize shareholder value short of a sale of the Company.

You also say in the aforementioned newspaper article that “the bank’s recent returns reflect substantial investment in expanding its ability to serve customers and expand its customer base and create long-term shareholder value.” However, your shareholders and the market obviously don’t appear to be buying this and I do not see the investor confidence that Company management will succeed or else this would be reflected in the stock price. After all, many community banks have grown their branch network and have shown respectable to blockbuster returns to their shareholders in the process of doing so.

As of October 2, 2007, the day before I filed my Schedule 13D, the closing price for a share of Company stock was $8.90. This represents a trading multiple of 1.22% of book value as of June 30, 2007. This pricing is indicative of either an underperforming institution or an institution in a poor market. We both know it is not our location at fault.

I am anxiously awaiting the release of the third quarter results of operations and expectantly anxious to view the Company-proclaimed improving asset quality of the bank as the management chose to forgo any provisions during the second quarter of 2007 and added a rather modest provision during the first quarter of 2007. A skeptic might wonder if the second quarter provision was reduced in order that the Company might show quarter to quarter comparisons that, just by happenstance, were equal to one another. It also makes a shareholder wonder if perhaps the loan loss provision was being “managed” in order to boost earnings and hence impact management compensation.

If the Board is serious about maximizing shareholder value, I strongly encourage the Board to hire an investment banker and solicit bids from potential acquiring financial institutions.

Sincerely,

Maurice J. Koury


cc:		Walter Lee Crouch, Jr. Windell Daniels Craig S. Relan Jerry D. Sellers John Davie Waggett Walter O. Winter

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