Call reports 2007
FIRST CAPITAL BANK — 2007
What FIRST CAPITAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 164,046,000 | 174,150,000 | 185,435,000 | 188,180,000 |
| Total loans | 137,383,000 | 145,383,000 | 147,566,000 | 154,156,000 |
| Allowance for loan losses | 1,656,000 | 1,779,000 | 1,857,000 | 2,210,000 |
| Securities available for sale | 6,973,000 | 6,971,000 | 7,000,000 | 5,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,921,000 | 142,654,000 | 153,552,000 | 156,249,000 |
| Interest-bearing deposits | 130,018,000 | 139,103,000 | 149,916,000 | 153,158,000 |
| Noninterest-bearing deposits | 3,903,000 | 3,551,000 | 3,636,000 | 3,091,000 |
| Equity capital | 17,141,000 | 17,379,000 | 17,636,000 | 17,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,783,000 | 5,890,000 | 9,202,000 | 12,488,000 |
| Interest expense | 1,611,000 | 3,441,000 | 5,449,000 | 7,494,000 |
| Net interest income | 1,172,000 | 2,449,000 | 3,753,000 | 4,994,000 |
| Noninterest income | 9,000 | 18,000 | 27,000 | 36,000 |
| Noninterest expense | 805,000 | 1,617,000 | 2,541,000 | 3,406,000 |
| Provision for loan losses | 145,000 | 268,000 | 347,000 | 700,000 |
| Pretax income | 231,000 | 582,000 | 892,000 | 924,000 |
| Income tax | 93,000 | 231,000 | 357,000 | 377,000 |
| Net income | 138,000 | 351,000 | 535,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,159,000 | 17,398,000 | 17,636,000 | 17,751,000 |
| Total capital | 18,815,000 | 19,177,000 | 19,493,000 | 19,802,000 |
| Risk-weighted assets | 147,433,000 | 155,067,000 | 158,752,000 | 163,883,000 |
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