Call reports 2008
FIRST CAPITAL BANK — 2008
What FIRST CAPITAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 392,494,000 | 396,307,000 | 419,494,000 | 431,535,000 |
| Total loans | 317,627,000 | 335,838,000 | 352,074,000 | 372,500,000 |
| Allowance for loan losses | 2,819,000 | 3,129,000 | 4,402,000 | 5,061,000 |
| Securities available for sale | 43,008,000 | 39,736,000 | 32,032,000 | 30,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,643,000 | 297,517,000 | 324,393,000 | 336,296,000 |
| Interest-bearing deposits | 266,193,000 | 257,527,000 | 286,423,000 | 300,288,000 |
| Noninterest-bearing deposits | 37,450,000 | 39,990,000 | 37,970,000 | 36,008,000 |
| Equity capital | 33,038,000 | 32,934,000 | 39,113,000 | 39,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,024,000 | 11,893,000 | 17,998,000 | 24,045,000 |
| Interest expense | 3,212,000 | 6,352,000 | 9,629,000 | 12,961,000 |
| Net interest income | 2,812,000 | 5,541,000 | 8,369,000 | 11,084,000 |
| Noninterest income | 170,000 | 366,000 | 546,000 | 736,000 |
| Noninterest expense | 2,005,000 | 4,032,000 | 6,331,000 | 8,559,000 |
| Provision for loan losses | 325,000 | 635,000 | 2,042,000 | 2,925,000 |
| Pretax income | 652,000 | 1,240,000 | 542,000 | 336,000 |
| Income tax | 231,000 | 439,000 | 211,000 | 147,000 |
| Net income | 421,000 | 801,000 | 331,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,013,000 | 33,432,000 | 39,800,000 | 39,698,000 |
| Total capital | 37,832,000 | 38,561,000 | 46,202,000 | 46,469,000 |
| Risk-weighted assets | 340,233,000 | 353,306,000 | 365,279,000 | 381,396,000 |
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