Call reports 2008
CAPITAL BANK — 2008
What 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 | 144,842,000 | 142,613,000 | 142,122,000 | 142,686,000 |
| Total loans | 106,237,000 | 107,315,000 | 110,395,000 | 110,135,000 |
| Allowance for loan losses | 1,348,000 | 1,256,000 | 1,155,000 | 1,373,000 |
| Securities available for sale | 18,029,000 | 17,351,000 | 13,211,000 | 14,358,000 |
| Securities held to maturity | 2,365,000 | 2,365,000 | 2,365,000 | 2,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,149,000 | 119,788,000 | 119,726,000 | 119,716,000 |
| Interest-bearing deposits | 107,255,000 | 103,428,000 | 104,326,000 | 105,230,000 |
| Noninterest-bearing deposits | 15,894,000 | 16,360,000 | 15,399,000 | 14,487,000 |
| Equity capital | 12,544,000 | 11,463,000 | 11,609,000 | 11,441,000 |
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 | 2,434,000 | 4,730,000 | 6,962,000 | 9,089,000 |
| Interest expense | 944,000 | 1,739,000 | 2,513,000 | 3,271,000 |
| Net interest income | 1,490,000 | 2,991,000 | 4,449,000 | 5,818,000 |
| Noninterest income | 426,000 | 791,000 | 1,194,000 | 1,597,000 |
| Noninterest expense | 1,633,000 | 3,122,000 | 4,650,000 | 6,236,000 |
| Provision for loan losses | 155,000 | 1,035,000 | 1,315,000 | 2,040,000 |
| Pretax income | 128,000 | -375,000 | -280,000 | -819,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 128,000 | -375,000 | -280,000 | -819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,024,000 | 11,423,000 | 11,519,000 | 10,979,000 |
| Total capital | 13,372,000 | 12,679,000 | 12,674,000 | 12,352,000 |
| Risk-weighted assets | 115,074,000 | 115,748,000 | 117,089,000 | 117,861,000 |
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