Call reports 2007
CAPITAL BANK — 2007
What 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 | 155,524,000 | 153,062,000 | 151,627,000 | 147,819,000 |
| Total loans | 114,924,000 | 115,047,000 | 112,462,000 | 110,198,000 |
| Allowance for loan losses | 1,416,000 | 1,445,000 | 1,375,000 | 1,387,000 |
| Securities available for sale | 19,647,000 | 19,606,000 | 19,245,000 | 15,729,000 |
| Securities held to maturity | 2,365,000 | 2,365,000 | 2,365,000 | 2,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,321,000 | 130,991,000 | 129,686,000 | 126,049,000 |
| Interest-bearing deposits | 118,270,000 | 113,686,000 | 111,748,000 | 110,256,000 |
| Noninterest-bearing deposits | 18,051,000 | 17,305,000 | 17,937,000 | 15,792,000 |
| Equity capital | 12,571,000 | 12,742,000 | 13,051,000 | 12,986,000 |
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 | 2,997,000 | 5,915,000 | 8,781,000 | 11,550,000 |
| Interest expense | 1,157,000 | 2,300,000 | 3,464,000 | 4,574,000 |
| Net interest income | 1,840,000 | 3,615,000 | 5,317,000 | 6,976,000 |
| Noninterest income | 424,000 | 847,000 | 1,331,000 | 1,657,000 |
| Noninterest expense | 1,714,000 | 3,378,000 | 5,042,000 | 6,677,000 |
| Provision for loan losses | 200,000 | 320,000 | 470,000 | 845,000 |
| Pretax income | 342,000 | 756,000 | 1,128,000 | 1,106,000 |
| Income tax | 0 | 0 | 6,000 | 0 |
| Net income | 342,000 | 756,000 | 1,122,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,517,000 | 12,932,000 | 12,998,000 | 12,682,000 |
| Total capital | 13,933,000 | 14,377,000 | 14,373,000 | 14,069,000 |
| Risk-weighted assets | 126,309,000 | 127,301,000 | 126,473,000 | 119,186,000 |
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