Call reports 2006
CAPITAL BANK, NATIONAL ASSOCIATION — 2006
What CAPITAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 124,846,000 | 131,382,000 | 142,814,000 | 154,183,000 |
| Total loans | 88,513,000 | 96,494,000 | 101,009,000 | 101,527,000 |
| Allowance for loan losses | 1,049,000 | 1,115,000 | 1,208,000 | 1,223,000 |
| Securities available for sale | 16,336,000 | 20,098,000 | 17,264,000 | 16,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,665,000 | 105,862,000 | 112,106,000 | 119,234,000 |
| Interest-bearing deposits | 80,933,000 | 88,081,000 | 94,928,000 | 100,674,000 |
| Noninterest-bearing deposits | 17,732,000 | 17,781,000 | 17,179,000 | 18,560,000 |
| Equity capital | 10,686,000 | 10,893,000 | 11,219,000 | 11,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 4,086,000 | 6,437,000 | 8,939,000 |
| Interest expense | 649,000 | 1,490,000 | 2,406,000 | 3,576,000 |
| Net interest income | 1,255,000 | 2,596,000 | 4,031,000 | 5,363,000 |
| Noninterest income | 42,000 | 83,000 | 118,000 | 162,000 |
| Noninterest expense | 934,000 | 1,926,000 | 2,954,000 | 4,034,000 |
| Provision for loan losses | 50,000 | 110,000 | 200,000 | 210,000 |
| Pretax income | 313,000 | 643,000 | 996,000 | 1,282,000 |
| Income tax | 121,000 | 245,000 | 377,000 | 484,000 |
| Net income | 192,000 | 398,000 | 619,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,774,000 | 11,037,000 | 11,268,000 | 11,502,000 |
| Total capital | 11,823,000 | 12,152,000 | 12,476,000 | 12,725,000 |
| Risk-weighted assets | 94,775,000 | 104,901,000 | 109,761,000 | 112,418,000 |