Call reports 2005
CAPITAL BANK — 2005
What CAPITAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,351,000 | 47,252,000 | 47,340,000 | 47,601,000 |
| Total loans | 28,285,000 | 28,301,000 | 29,738,000 | 28,834,000 |
| Allowance for loan losses | 342,000 | 341,000 | 338,000 | 340,000 |
| Securities available for sale | 4,795,000 | 3,882,000 | 3,055,000 | 3,119,000 |
| Securities held to maturity | 4,902,000 | 4,902,000 | 4,762,000 | 4,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,560,000 | 40,787,000 | 39,882,000 | 40,904,000 |
| Interest-bearing deposits | 32,319,000 | 32,592,000 | 32,092,000 | 32,763,000 |
| Noninterest-bearing deposits | 8,241,000 | 8,195,000 | 7,789,000 | 8,141,000 |
| Equity capital | 3,632,000 | 3,915,000 | 4,146,000 | 3,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,282,000 | 1,937,000 | 2,611,000 |
| Interest expense | 143,000 | 298,000 | 472,000 | 666,000 |
| Net interest income | 483,000 | 984,000 | 1,465,000 | 1,945,000 |
| Noninterest income | 71,000 | 142,000 | 236,000 | 324,000 |
| Noninterest expense | 345,000 | 674,000 | 1,008,000 | 1,364,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 452,000 | 693,000 | 905,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 208,000 | 451,000 | 692,000 | 904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,820,000 | 3,992,000 | 4,143,000 | 3,898,000 |
| Total capital | 4,162,000 | 4,333,000 | 4,482,000 | 4,237,000 |
| Risk-weighted assets | 33,113,000 | 33,062,000 | 34,333,000 | 33,855,000 |
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