Call reports 2004
FIRSTCAPITAL BANK, SSB — 2004
What FIRSTCAPITAL BANK, SSB 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 | 752,061,000 | 781,837,000 | 770,974,000 | 760,553,000 |
| Total loans | 519,043,000 | 515,418,000 | 518,207,000 | 498,992,000 |
| Allowance for loan losses | 5,325,000 | 5,119,000 | 5,182,000 | 5,071,000 |
| Securities available for sale | 133,241,000 | 155,940,000 | 146,884,000 | 146,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 646,582,000 | 645,913,000 | 642,386,000 | 633,663,000 |
| Interest-bearing deposits | 617,222,000 | 617,778,000 | 617,015,000 | 602,332,000 |
| Noninterest-bearing deposits | 29,360,000 | 28,135,000 | 25,371,000 | 31,331,000 |
| Equity capital | 80,014,000 | 79,661,000 | 82,216,000 | 83,491,000 |
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 | 8,908,000 | 17,465,000 | 26,687,000 | 36,113,000 |
| Interest expense | 2,477,000 | 4,890,000 | 7,426,000 | 9,971,000 |
| Net interest income | 6,431,000 | 12,575,000 | 19,261,000 | 26,142,000 |
| Noninterest income | 2,010,000 | 4,065,000 | 6,468,000 | 8,894,000 |
| Noninterest expense | 7,067,000 | 13,857,000 | 20,679,000 | 27,736,000 |
| Provision for loan losses | 210,000 | 210,000 | 240,000 | 240,000 |
| Pretax income | 1,123,000 | 3,038,000 | 5,354,000 | 7,786,000 |
| Income tax | 341,000 | 956,000 | 1,713,000 | 2,504,000 |
| Net income | 782,000 | 2,082,000 | 3,641,000 | 5,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,480,000 | 59,477,000 | 61,039,000 | 62,680,000 |
| Total capital | 63,810,000 | 64,596,000 | 66,224,000 | 67,753,000 |
| Risk-weighted assets | 582,138,000 | 585,186,000 | 584,772,000 | 560,567,000 |