Call reports 2007
FIRST CAPITAL BANK — 2007
What FIRST CAPITAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 276,736,000 | 286,835,000 | 310,895,000 | 351,712,000 |
| Total loans | 213,164,000 | 228,569,000 | 254,111,000 | 296,723,000 |
| Allowance for loan losses | 1,956,000 | 2,062,000 | 2,248,000 | 2,489,000 |
| Securities available for sale | 45,221,000 | 45,573,000 | 44,311,000 | 32,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,389,000 | 226,264,000 | 232,504,000 | 265,018,000 |
| Interest-bearing deposits | 189,324,000 | 181,363,000 | 195,851,000 | 225,890,000 |
| Noninterest-bearing deposits | 37,065,000 | 44,901,000 | 36,653,000 | 39,128,000 |
| Equity capital | 20,738,000 | 31,021,000 | 31,849,000 | 32,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,504,000 | 9,325,000 | 14,604,000 | 20,356,000 |
| Interest expense | 2,348,000 | 4,862,000 | 7,445,000 | 10,313,000 |
| Net interest income | 2,156,000 | 4,463,000 | 7,159,000 | 10,043,000 |
| Noninterest income | 164,000 | 351,000 | 523,000 | 769,000 |
| Noninterest expense | 1,572,000 | 3,293,000 | 5,159,000 | 7,256,000 |
| Provision for loan losses | 122,000 | 252,000 | 438,000 | 676,000 |
| Pretax income | 626,000 | 1,269,000 | 2,085,000 | 2,909,000 |
| Income tax | 218,000 | 439,000 | 724,000 | 1,007,000 |
| Net income | 408,000 | 830,000 | 1,361,000 | 1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,988,000 | 31,424,000 | 31,973,000 | 32,552,000 |
| Total capital | 24,944,000 | 35,486,000 | 36,221,000 | 37,041,000 |
| Risk-weighted assets | 220,156,000 | 238,296,000 | 264,896,000 | 308,360,000 |
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