Call reports 2005
CAPITAL BANK & TRUST COMPANY — 2005
What CAPITAL BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 394,387,000 | 424,278,000 | 445,112,000 | 473,485,000 |
| Total loans | 317,718,000 | 344,184,000 | 366,120,000 | 391,642,000 |
| Allowance for loan losses | 3,786,000 | 4,107,000 | 4,266,000 | 4,604,000 |
| Securities available for sale | 58,759,000 | 58,039,000 | 57,855,000 | 57,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,099,000 | 336,497,000 | 361,984,000 | 383,273,000 |
| Interest-bearing deposits | 275,750,000 | 296,077,000 | 315,898,000 | 337,666,000 |
| Noninterest-bearing deposits | 29,349,000 | 40,420,000 | 46,086,000 | 45,607,000 |
| Equity capital | 24,597,000 | 32,089,000 | 33,641,000 | 36,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,577,000 | 11,954,000 | 18,964,000 | 26,717,000 |
| Interest expense | 2,095,000 | 4,663,000 | 7,558,000 | 10,835,000 |
| Net interest income | 3,482,000 | 7,291,000 | 11,406,000 | 15,882,000 |
| Noninterest income | 462,000 | 1,037,000 | 1,628,000 | 2,244,000 |
| Noninterest expense | 2,354,000 | 4,922,000 | 7,851,000 | 10,914,000 |
| Provision for loan losses | 339,000 | 780,000 | 1,212,000 | 1,665,000 |
| Pretax income | 1,253,000 | 2,631,000 | 3,985,000 | 5,561,000 |
| Income tax | 439,000 | 922,000 | 1,403,000 | 1,981,000 |
| Net income | 814,000 | 1,709,000 | 2,582,000 | 3,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,106,000 | 32,251,000 | 33,924,000 | 36,954,000 |
| Total capital | 28,892,000 | 36,358,000 | 38,190,000 | 41,558,000 |
| Risk-weighted assets | 317,128,000 | 350,531,000 | 365,594,000 | 386,313,000 |