Call reports 2009
FIRST CAPITAL BANK — 2009
What FIRST CAPITAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 472,792,000 | 491,987,000 | 510,615,000 | 529,784,000 |
| Total loans | 378,556,000 | 389,338,000 | 396,030,000 | 403,664,000 |
| Allowance for loan losses | 5,080,000 | 6,045,000 | 6,317,000 | 6,600,000 |
| Securities available for sale | 47,241,000 | 54,271,000 | 67,199,000 | 77,118,000 |
| Securities held to maturity | 1,453,000 | 1,453,000 | 1,453,000 | 1,453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,556,000 | 398,463,000 | 407,217,000 | 426,103,000 |
| Interest-bearing deposits | 338,134,000 | 356,384,000 | 369,037,000 | 386,423,000 |
| Noninterest-bearing deposits | 40,422,000 | 42,079,000 | 38,180,000 | 39,680,000 |
| Equity capital | 39,672,000 | 39,251,000 | 49,354,000 | 49,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,875,000 | 12,140,000 | 18,630,000 | 25,402,000 |
| Interest expense | 3,293,000 | 6,670,000 | 9,837,000 | 12,770,000 |
| Net interest income | 2,582,000 | 5,470,000 | 8,793,000 | 12,632,000 |
| Noninterest income | 180,000 | 385,000 | 537,000 | 695,000 |
| Noninterest expense | 2,351,000 | 5,128,000 | 7,592,000 | 10,296,000 |
| Provision for loan losses | 215,000 | 1,310,000 | 1,690,000 | 2,285,000 |
| Pretax income | 196,000 | -583,000 | 48,000 | 746,000 |
| Income tax | 66,000 | -206,000 | -1,000 | 226,000 |
| Net income | 130,000 | -377,000 | 49,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,871,000 | 39,407,000 | 48,672,000 | 49,174,000 |
| Total capital | 46,765,000 | 46,397,000 | 55,763,000 | 56,381,000 |
| Risk-weighted assets | 391,306,000 | 404,212,000 | 406,030,000 | 415,381,000 |
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