Call reports 2025
CAPITAL BANK, NATIONAL ASSOCIATION — 2025
What CAPITAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,284,789,000 | 3,327,352,000 | 3,328,022,000 | 3,547,608,000 |
| Total loans | 2,666,543,000 | 2,715,533,000 | 2,797,058,000 | 2,941,578,000 |
| Allowance for loan losses | 47,794,000 | 46,832,000 | 52,429,000 | 53,982,000 |
| Securities available for sale | 213,452,000 | 228,923,000 | 232,628,000 | 230,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,904,226,000 | 2,954,775,000 | 2,935,519,000 | 3,105,079,000 |
| Interest-bearing deposits | 2,079,109,000 | 2,103,759,000 | 2,054,510,000 | 2,240,459,000 |
| Noninterest-bearing deposits | 825,117,000 | 851,016,000 | 881,009,000 | 864,620,000 |
| Equity capital | 307,059,000 | 315,212,000 | 324,526,000 | 334,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 61,895,000 | 125,726,000 | 189,811,000 | 257,642,000 |
| Interest expense | 16,562,000 | 33,337,000 | 46,121,000 | 64,290,000 |
| Net interest income | 45,333,000 | 92,389,000 | 143,690,000 | 193,352,000 |
| Noninterest income | 8,226,000 | 17,016,000 | 23,158,000 | 30,936,000 |
| Noninterest expense | 35,374,000 | 72,158,000 | 107,785,000 | 143,844,000 |
| Provision for loan losses | 2,246,000 | 6,371,000 | 11,020,000 | 14,946,000 |
| Pretax income | 15,939,000 | 30,876,000 | 47,826,000 | 65,310,000 |
| Income tax | 3,734,000 | 7,074,000 | 11,160,000 | 15,099,000 |
| Net income | 12,205,000 | 23,802,000 | 36,666,000 | 50,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 293,705,000 | 302,233,000 | 308,384,000 | 316,082,000 |
| Total capital | 325,384,000 | 334,260,000 | 341,621,000 | 351,185,000 |
| Risk-weighted assets | 2,517,000,000 | 2,546,132,000 | 2,638,398,000 | 2,787,983,000 |