Call reports 2006
FIRST CAPITAL BANK — 2006
What FIRST CAPITAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 115,441,000 | 126,795,000 | 139,751,000 | 149,099,000 |
| Total loans | 89,715,000 | 99,339,000 | 111,427,000 | 120,791,000 |
| Allowance for loan losses | 1,168,000 | 1,278,000 | 1,393,000 | 1,511,000 |
| Securities available for sale | 7,423,000 | 7,390,000 | 6,946,000 | 6,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,556,000 | 107,645,000 | 120,191,000 | 124,229,000 |
| Interest-bearing deposits | 93,237,000 | 105,003,000 | 115,670,000 | 121,491,000 |
| Noninterest-bearing deposits | 3,319,000 | 2,642,000 | 4,521,000 | 2,738,000 |
| Equity capital | 11,340,000 | 11,507,000 | 11,778,000 | 16,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,965,000 | 6,403,000 | 9,044,000 |
| Interest expense | 920,000 | 2,090,000 | 3,443,000 | 4,930,000 |
| Net interest income | 892,000 | 1,875,000 | 2,960,000 | 4,114,000 |
| Noninterest income | 9,000 | 18,000 | 26,000 | 34,000 |
| Noninterest expense | 651,000 | 1,344,000 | 2,089,000 | 2,866,000 |
| Provision for loan losses | 98,000 | 208,000 | 323,000 | 441,000 |
| Pretax income | 152,000 | 341,000 | 574,000 | 841,000 |
| Income tax | 0 | 0 | 0 | 87,000 |
| Net income | 152,000 | 341,000 | 574,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,391,000 | 11,617,000 | 11,813,000 | 16,994,000 |
| Total capital | 12,559,000 | 12,895,000 | 13,207,000 | 18,505,000 |
| Risk-weighted assets | 95,518,000 | 106,017,000 | 117,932,000 | 131,212,000 |
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