Call reports 2004
FIRST CAPITAL BANK — 2004
What FIRST CAPITAL BANK 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 | 133,182,000 | 147,050,000 | 164,886,000 | 152,646,000 |
| Total loans | 86,833,000 | 93,163,000 | 100,079,000 | 108,660,000 |
| Allowance for loan losses | 877,000 | 936,000 | 997,000 | 1,084,000 |
| Securities available for sale | 32,081,000 | 39,400,000 | 49,623,000 | 39,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,247,000 | 129,515,000 | 146,038,000 | 129,345,000 |
| Interest-bearing deposits | 90,729,000 | 97,289,000 | 98,013,000 | 107,684,000 |
| Noninterest-bearing deposits | 24,518,000 | 32,226,000 | 48,025,000 | 21,661,000 |
| Equity capital | 9,486,000 | 9,080,000 | 9,590,000 | 12,990,000 |
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 | 1,486,000 | 3,081,000 | 4,833,000 | 6,779,000 |
| Interest expense | 558,000 | 1,146,000 | 1,747,000 | 2,389,000 |
| Net interest income | 928,000 | 1,935,000 | 3,086,000 | 4,390,000 |
| Noninterest income | 41,000 | 76,000 | 118,000 | 159,000 |
| Noninterest expense | 747,000 | 1,567,000 | 2,448,000 | 3,407,000 |
| Provision for loan losses | 140,000 | 199,000 | 260,000 | 346,000 |
| Pretax income | 137,000 | 306,000 | 561,000 | 870,000 |
| Income tax | 46,000 | 104,000 | 191,000 | 296,000 |
| Net income | 91,000 | 202,000 | 370,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,070,000 | 9,239,000 | 9,493,000 | 12,928,000 |
| Total capital | 9,946,000 | 10,175,000 | 10,490,000 | 14,012,000 |
| Risk-weighted assets | 85,765,000 | 93,633,000 | 101,965,000 | 103,738,000 |
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