Call reports 2006
FIRST CAPITAL BANK — 2006
What FIRST CAPITAL BANK 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 | 225,315,000 | 241,463,000 | 249,138,000 | 257,085,000 |
| Total loans | 167,369,000 | 181,671,000 | 183,186,000 | 201,585,000 |
| Allowance for loan losses | 1,565,000 | 1,678,000 | 1,733,000 | 1,834,000 |
| Securities available for sale | 41,730,000 | 37,455,000 | 37,316,000 | 43,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,153,000 | 198,025,000 | 199,706,000 | 196,305,000 |
| Interest-bearing deposits | 145,032,000 | 161,390,000 | 166,332,000 | 161,424,000 |
| Noninterest-bearing deposits | 37,122,000 | 36,635,000 | 33,373,000 | 34,881,000 |
| Equity capital | 14,280,000 | 14,406,000 | 19,744,000 | 20,257,000 |
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 | 3,318,000 | 6,994,000 | 11,036,000 | 15,263,000 |
| Interest expense | 1,546,000 | 3,354,000 | 5,450,000 | 7,590,000 |
| Net interest income | 1,772,000 | 3,640,000 | 5,586,000 | 7,673,000 |
| Noninterest income | 95,000 | 181,000 | 300,000 | 462,000 |
| Noninterest expense | 1,195,000 | 2,420,000 | 3,762,000 | 5,211,000 |
| Provision for loan losses | 106,000 | 229,000 | 284,000 | 404,000 |
| Pretax income | 566,000 | 1,172,000 | 1,840,000 | 2,520,000 |
| Income tax | 190,000 | 394,000 | 621,000 | 851,000 |
| Net income | 376,000 | 778,000 | 1,219,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,463,000 | 15,171,000 | 20,114,000 | 20,568,000 |
| Total capital | 18,028,000 | 18,849,000 | 23,847,000 | 24,402,000 |
| Risk-weighted assets | 169,200,000 | 182,125,000 | 185,902,000 | 203,009,000 |
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