Call reports 2004
CAPITAL BANK, NATIONAL ASSOCIATION — 2004
What CAPITAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 63,810,000 | 69,453,000 | 73,629,000 | 88,839,000 |
| Total loans | 47,550,000 | 54,357,000 | 56,869,000 | 68,365,000 |
| Allowance for loan losses | 712,000 | 724,000 | 700,000 | 722,000 |
| Securities available for sale | 6,627,000 | 6,199,000 | 6,214,000 | 7,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,948,000 | 59,468,000 | 63,153,000 | 75,288,000 |
| Interest-bearing deposits | 46,072,000 | 52,602,000 | 55,269,000 | 64,221,000 |
| Noninterest-bearing deposits | 5,876,000 | 6,866,000 | 7,884,000 | 11,067,000 |
| Equity capital | 6,586,000 | 6,425,000 | 6,700,000 | 7,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,549,000 | 2,580,000 | 3,661,000 |
| Interest expense | 192,000 | 415,000 | 663,000 | 950,000 |
| Net interest income | 527,000 | 1,134,000 | 1,917,000 | 2,711,000 |
| Noninterest income | 24,000 | 49,000 | 78,000 | 98,000 |
| Noninterest expense | 466,000 | 1,075,000 | 1,744,000 | 2,388,000 |
| Provision for loan losses | 7,000 | 15,000 | 25,000 | 45,000 |
| Pretax income | 78,000 | 93,000 | 226,000 | 376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 93,000 | 226,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,547,000 | 6,587,000 | 6,719,000 | 7,620,000 |
| Total capital | 7,178,000 | 7,303,000 | 7,419,000 | 8,342,000 |
| Risk-weighted assets | 50,366,000 | 57,241,000 | 60,395,000 | 72,409,000 |