Call reports 2005
CAPITAL BANK, NATIONAL ASSOCIATION — 2005
What CAPITAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 100,073,000 | 99,308,000 | 114,570,000 | 121,333,000 |
| Total loans | 71,346,000 | 73,223,000 | 82,621,000 | 87,972,000 |
| Allowance for loan losses | 805,000 | 937,000 | 1,005,000 | 1,156,000 |
| Securities available for sale | 7,917,000 | 8,400,000 | 9,770,000 | 14,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,879,000 | 84,109,000 | 94,593,000 | 95,626,000 |
| Interest-bearing deposits | 69,389,000 | 68,091,000 | 79,546,000 | 77,906,000 |
| Noninterest-bearing deposits | 15,490,000 | 16,018,000 | 15,047,000 | 17,720,000 |
| Equity capital | 7,740,000 | 8,172,000 | 8,422,000 | 10,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,299,000 | 2,813,000 | 4,381,000 | 6,300,000 |
| Interest expense | 316,000 | 690,000 | 1,130,000 | 1,719,000 |
| Net interest income | 983,000 | 2,123,000 | 3,251,000 | 4,581,000 |
| Noninterest income | 32,000 | 61,000 | 80,000 | 117,000 |
| Noninterest expense | 687,000 | 1,419,000 | 2,218,000 | 3,097,000 |
| Provision for loan losses | 82,000 | 215,000 | 275,000 | 450,000 |
| Pretax income | 246,000 | 550,000 | 838,000 | 1,151,000 |
| Income tax | 0 | 0 | 0 | -719,000 |
| Net income | 246,000 | 550,000 | 838,000 | 1,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,866,000 | 8,241,000 | 8,529,000 | 10,582,000 |
| Total capital | 8,671,000 | 9,178,000 | 9,534,000 | 11,705,000 |
| Risk-weighted assets | 76,090,000 | 78,436,000 | 89,027,000 | 89,887,000 |