Call reports 2008
FIRST CAPITAL BANK — 2008
What FIRST CAPITAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 196,512,000 | 208,900,000 | 197,313,000 | 200,176,000 |
| Total loans | 161,121,000 | 160,203,000 | 154,845,000 | 156,436,000 |
| Allowance for loan losses | 2,253,000 | 2,229,000 | 1,941,000 | 3,208,000 |
| Securities available for sale | 16,172,000 | 22,072,000 | 22,968,000 | 22,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,324,000 | 169,994,000 | 153,782,000 | 157,263,000 |
| Interest-bearing deposits | 153,761,000 | 162,999,000 | 147,871,000 | 151,781,000 |
| Noninterest-bearing deposits | 3,563,000 | 6,994,000 | 5,911,000 | 5,482,000 |
| Equity capital | 18,067,000 | 17,879,000 | 22,468,000 | 21,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,973,000 | 5,783,000 | 8,565,000 | 11,233,000 |
| Interest expense | 1,892,000 | 3,679,000 | 5,327,000 | 6,826,000 |
| Net interest income | 1,081,000 | 2,104,000 | 3,238,000 | 4,407,000 |
| Noninterest income | 10,000 | 35,000 | -3,000 | 14,000 |
| Noninterest expense | 812,000 | 1,634,000 | 2,474,000 | 3,307,000 |
| Provision for loan losses | 77,000 | 152,000 | 352,000 | 2,072,000 |
| Pretax income | 202,000 | 353,000 | 409,000 | -958,000 |
| Income tax | 101,000 | 172,000 | 212,000 | -250,000 |
| Net income | 101,000 | 181,000 | 197,000 | -708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,885,000 | 17,963,000 | 22,512,000 | 21,640,000 |
| Total capital | 20,016,000 | 20,100,000 | 24,453,000 | 23,728,000 |
| Risk-weighted assets | 170,382,000 | 170,844,000 | 165,580,000 | 165,915,000 |
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