Call reports 2004
FIRST CAPITAL BANK — 2004
What FIRST CAPITAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,410,000 | 46,065,000 | 51,904,000 | 61,898,000 |
| Total loans | 34,735,000 | 39,531,000 | 41,664,000 | 47,770,000 |
| Allowance for loan losses | 434,000 | 505,000 | 561,000 | 599,000 |
| Securities available for sale | 0 | 0 | 1,001,000 | 2,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,449,000 | 35,123,000 | 40,901,000 | 47,845,000 |
| Interest-bearing deposits | 30,005,000 | 33,387,000 | 39,630,000 | 46,079,000 |
| Noninterest-bearing deposits | 1,444,000 | 1,736,000 | 1,271,000 | 1,766,000 |
| Equity capital | 10,890,000 | 10,859,000 | 10,862,000 | 10,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 982,000 | 1,596,000 | 2,317,000 |
| Interest expense | 113,000 | 252,000 | 422,000 | 650,000 |
| Net interest income | 349,000 | 730,000 | 1,174,000 | 1,667,000 |
| Noninterest income | 3,000 | 5,000 | 8,000 | 11,000 |
| Noninterest expense | 320,000 | 663,000 | 1,051,000 | 1,493,000 |
| Provision for loan losses | 99,000 | 170,000 | 226,000 | 264,000 |
| Pretax income | -67,000 | -98,000 | -95,000 | -79,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -67,000 | -98,000 | -95,000 | -79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,890,000 | 10,859,000 | 10,861,000 | 10,878,000 |
| Total capital | 11,324,000 | 11,354,000 | 11,354,000 | 11,477,000 |
| Risk-weighted assets | 35,447,000 | 39,651,000 | 40,096,000 | 48,192,000 |
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