Call reports 2015
FIRST CAPITAL BANK — 2015
What FIRST CAPITAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 231,261,000 | 248,967,000 | 242,776,000 | 253,355,000 |
| Total loans | 188,185,000 | 198,582,000 | 199,735,000 | 215,421,000 |
| Allowance for loan losses | 1,446,000 | 1,231,000 | 1,335,000 | 1,682,000 |
| Securities available for sale | 21,117,000 | 20,778,000 | 21,007,000 | 19,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,582,000 | 202,054,000 | 195,046,000 | 200,189,000 |
| Interest-bearing deposits | 172,191,000 | 189,713,000 | 183,164,000 | 185,812,000 |
| Noninterest-bearing deposits | 12,391,000 | 12,341,000 | 11,882,000 | 14,377,000 |
| Equity capital | 23,010,000 | 23,246,000 | 23,914,000 | 23,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,396,000 | 4,903,000 | 7,432,000 | 10,000,000 |
| Interest expense | 417,000 | 854,000 | 1,319,000 | 1,788,000 |
| Net interest income | 1,979,000 | 4,049,000 | 6,113,000 | 8,212,000 |
| Noninterest income | -26,000 | -186,000 | -202,000 | -183,000 |
| Noninterest expense | 1,205,000 | 2,381,000 | 3,598,000 | 4,962,000 |
| Provision for loan losses | 0 | 87,000 | 190,000 | 757,000 |
| Pretax income | 748,000 | 1,395,000 | 2,123,000 | 2,310,000 |
| Income tax | 292,000 | 531,000 | 802,000 | 865,000 |
| Net income | 456,000 | 864,000 | 1,321,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,869,000 | 23,275,000 | 23,732,000 | 24,089,000 |
| Total capital | 24,315,000 | 24,506,000 | 25,067,000 | 25,771,000 |
| Risk-weighted assets | 194,140,000 | 214,660,000 | 208,666,000 | 224,367,000 |