Call reports 2005
FIRST CAPITAL BANK — 2005
What FIRST 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 | 73,068,000 | 81,156,000 | 96,759,000 | 104,244,000 |
| Total loans | 55,336,000 | 62,826,000 | 76,401,000 | 84,122,000 |
| Allowance for loan losses | 699,000 | 810,000 | 980,000 | 1,070,000 |
| Securities available for sale | 3,469,000 | 3,486,000 | 4,474,000 | 7,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,940,000 | 62,847,000 | 78,280,000 | 85,551,000 |
| Interest-bearing deposits | 56,709,000 | 60,612,000 | 75,587,000 | 83,027,000 |
| Noninterest-bearing deposits | 2,231,000 | 2,235,000 | 2,693,000 | 2,524,000 |
| Equity capital | 10,900,000 | 10,975,000 | 11,053,000 | 11,200,000 |
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 | 915,000 | 2,031,000 | 3,448,000 | 5,123,000 |
| Interest expense | 324,000 | 775,000 | 1,397,000 | 2,182,000 |
| Net interest income | 591,000 | 1,256,000 | 2,051,000 | 2,941,000 |
| Noninterest income | 9,000 | 13,000 | 21,000 | 27,000 |
| Noninterest expense | 457,000 | 952,000 | 1,499,000 | 2,136,000 |
| Provision for loan losses | 100,000 | 211,000 | 381,000 | 471,000 |
| Pretax income | 43,000 | 106,000 | 192,000 | 361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 106,000 | 192,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,931,000 | 10,989,000 | 11,070,000 | 11,239,000 |
| Total capital | 11,630,000 | 11,799,000 | 12,050,000 | 12,309,000 |
| Risk-weighted assets | 56,752,000 | 66,157,000 | 79,580,000 | 89,916,000 |
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