Call reports 2004
CAPITAL BANK & TRUST COMPANY — 2004
What CAPITAL BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 290,607,000 | 304,878,000 | 337,602,000 | 373,383,000 |
| Total loans | 220,618,000 | 227,705,000 | 258,666,000 | 294,980,000 |
| Allowance for loan losses | 2,902,000 | 3,130,000 | 3,301,000 | 3,503,000 |
| Securities available for sale | 50,272,000 | 60,180,000 | 61,804,000 | 60,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,027,000 | 253,743,000 | 273,058,000 | 280,679,000 |
| Interest-bearing deposits | 217,567,000 | 229,426,000 | 246,048,000 | 254,000,000 |
| Noninterest-bearing deposits | 24,460,000 | 24,317,000 | 27,010,000 | 26,679,000 |
| Equity capital | 21,485,000 | 21,147,000 | 23,857,000 | 24,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,973,000 | 8,075,000 | 12,604,000 | 17,709,000 |
| Interest expense | 1,381,000 | 2,767,000 | 4,249,000 | 5,958,000 |
| Net interest income | 2,592,000 | 5,308,000 | 8,355,000 | 11,751,000 |
| Noninterest income | 520,000 | 1,133,000 | 1,699,000 | 2,168,000 |
| Noninterest expense | 1,894,000 | 3,875,000 | 6,073,000 | 8,392,000 |
| Provision for loan losses | 299,000 | 570,000 | 908,000 | 1,514,000 |
| Pretax income | 919,000 | 1,996,000 | 3,073,000 | 4,013,000 |
| Income tax | 314,000 | 687,000 | 1,058,000 | 1,394,000 |
| Net income | 605,000 | 1,309,000 | 2,015,000 | 2,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,078,000 | 21,782,000 | 23,688,000 | 24,292,000 |
| Total capital | 23,863,000 | 24,743,000 | 26,976,000 | 27,795,000 |
| Risk-weighted assets | 222,692,000 | 236,713,000 | 263,063,000 | 295,353,000 |