Call reports 2003
CAPITAL BANK & TRUST COMPANY — 2003
What CAPITAL BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 248,711,000 | 260,809,000 | 260,897,000 | 281,925,000 |
| Total loans | 183,556,000 | 195,826,000 | 197,469,000 | 219,070,000 |
| Allowance for loan losses | 2,623,000 | 2,776,000 | 2,911,000 | 2,901,000 |
| Securities available for sale | 49,085,000 | 47,574,000 | 43,595,000 | 47,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,793,000 | 209,319,000 | 213,230,000 | 224,330,000 |
| Interest-bearing deposits | 179,883,000 | 186,720,000 | 191,643,000 | 201,170,000 |
| Noninterest-bearing deposits | 20,910,000 | 22,599,000 | 21,587,000 | 23,160,000 |
| Equity capital | 19,025,000 | 19,590,000 | 19,935,000 | 20,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,591,000 | 7,298,000 | 11,045,000 | 14,949,000 |
| Interest expense | 1,316,000 | 2,663,000 | 3,952,000 | 5,261,000 |
| Net interest income | 2,275,000 | 4,635,000 | 7,093,000 | 9,688,000 |
| Noninterest income | 655,000 | 1,208,000 | 2,046,000 | 2,537,000 |
| Noninterest expense | 1,881,000 | 3,739,000 | 5,711,000 | 7,382,000 |
| Provision for loan losses | 272,000 | 543,000 | 817,000 | 1,090,000 |
| Pretax income | 777,000 | 1,562,000 | 2,617,000 | 3,759,000 |
| Income tax | 285,000 | 568,000 | 944,000 | 1,318,000 |
| Net income | 492,000 | 994,000 | 1,673,000 | 2,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,591,000 | 19,056,000 | 19,735,000 | 20,473,000 |
| Total capital | 20,937,000 | 21,463,000 | 22,249,000 | 23,266,000 |
| Risk-weighted assets | 187,436,000 | 192,161,000 | 200,607,000 | 223,342,000 |
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