Call reports 2006
CAPITAL BANK & TRUST COMPANY — 2006
What CAPITAL BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 484,846,000 | 513,308,000 | 529,961,000 | 564,071,000 |
| Total loans | 408,790,000 | 425,232,000 | 437,871,000 | 465,686,000 |
| Allowance for loan losses | 4,966,000 | 5,340,000 | 5,591,000 | 5,605,000 |
| Securities available for sale | 56,505,000 | 59,043,000 | 64,401,000 | 67,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,343,000 | 422,011,000 | 436,720,000 | 467,961,000 |
| Interest-bearing deposits | 352,270,000 | 377,540,000 | 414,516,000 | 450,656,000 |
| Noninterest-bearing deposits | 40,073,000 | 44,471,000 | 22,204,000 | 17,305,000 |
| Equity capital | 37,541,000 | 38,396,000 | 40,397,000 | 42,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,310,000 | 17,491,000 | 27,263,000 | 37,289,000 |
| Interest expense | 3,704,000 | 7,957,000 | 12,659,000 | 17,809,000 |
| Net interest income | 4,606,000 | 9,534,000 | 14,604,000 | 19,480,000 |
| Noninterest income | 618,000 | 1,198,000 | 1,802,000 | 2,636,000 |
| Noninterest expense | 3,039,000 | 6,149,000 | 9,534,000 | 12,977,000 |
| Provision for loan losses | 428,000 | 842,000 | 1,120,000 | 1,328,000 |
| Pretax income | 1,757,000 | 3,741,000 | 5,752,000 | 7,811,000 |
| Income tax | 625,000 | 1,336,000 | 2,059,000 | 2,744,000 |
| Net income | 1,132,000 | 2,405,000 | 3,693,000 | 5,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,335,000 | 39,609,000 | 40,897,000 | 43,271,000 |
| Total capital | 43,301,000 | 44,928,000 | 46,298,000 | 48,876,000 |
| Risk-weighted assets | 400,487,000 | 425,502,000 | 431,905,000 | 477,773,000 |