Call reports 2008
CAPITAL BANK, NATIONAL ASSOCIATION — 2008
What CAPITAL BANK, NATIONAL ASSOCIATION 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 | 167,587,000 | 193,626,000 | 198,272,000 | 218,819,000 |
| Total loans | 131,699,000 | 145,750,000 | 155,384,000 | 160,893,000 |
| Allowance for loan losses | 1,198,000 | 1,318,000 | 1,501,000 | 1,559,000 |
| Securities available for sale | 21,200,000 | 26,245,000 | 22,120,000 | 21,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,571,000 | 137,247,000 | 140,817,000 | 158,074,000 |
| Interest-bearing deposits | 106,454,000 | 116,884,000 | 119,268,000 | 126,787,000 |
| Noninterest-bearing deposits | 16,117,000 | 20,362,000 | 21,550,000 | 31,287,000 |
| Equity capital | 12,576,000 | 14,325,000 | 15,463,000 | 18,130,000 |
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 | 2,587,000 | 5,305,000 | 8,252,000 | 11,185,000 |
| Interest expense | 1,168,000 | 2,240,000 | 3,326,000 | 4,456,000 |
| Net interest income | 1,419,000 | 3,065,000 | 4,926,000 | 6,729,000 |
| Noninterest income | 59,000 | 130,000 | 203,000 | 299,000 |
| Noninterest expense | 1,179,000 | 2,454,000 | 3,721,000 | 5,156,000 |
| Provision for loan losses | 50,000 | 165,000 | 624,000 | 677,000 |
| Pretax income | 253,000 | 571,000 | 784,000 | 1,195,000 |
| Income tax | 86,000 | 202,000 | 274,000 | 442,000 |
| Net income | 167,000 | 369,000 | 510,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,530,000 | 14,412,000 | 15,515,000 | 17,963,000 |
| Total capital | 13,828,000 | 15,853,000 | 17,140,000 | 19,654,000 |
| Risk-weighted assets | 126,339,000 | 149,830,000 | 158,811,000 | 172,523,000 |