Call reports 2003
CAPITOL BANK — 2003
What CAPITOL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 104,384,000 | 107,044,000 | 106,282,000 | 106,520,000 |
| Total loans | 81,800,000 | 81,871,000 | 79,195,000 | 80,683,000 |
| Allowance for loan losses | 818,000 | 874,000 | 933,000 | 936,000 |
| Securities available for sale | 7,758,000 | 8,100,000 | 10,765,000 | 11,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,470,000 | 90,513,000 | 90,123,000 | 90,308,000 |
| Interest-bearing deposits | 76,045,000 | 78,337,000 | 76,604,000 | 75,457,000 |
| Noninterest-bearing deposits | 11,424,000 | 12,176,000 | 13,519,000 | 14,851,000 |
| Equity capital | 8,001,000 | 8,278,000 | 8,546,000 | 8,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,632,000 | 3,941,000 | 5,214,000 |
| Interest expense | 427,000 | 863,000 | 1,276,000 | 1,675,000 |
| Net interest income | 874,000 | 1,769,000 | 2,665,000 | 3,539,000 |
| Noninterest income | 244,000 | 481,000 | 752,000 | 864,000 |
| Noninterest expense | 642,000 | 1,289,000 | 1,974,000 | 2,613,000 |
| Provision for loan losses | 90,000 | 165,000 | 225,000 | 240,000 |
| Pretax income | 386,000 | 796,000 | 1,218,000 | 1,550,000 |
| Income tax | 128,000 | 265,000 | 412,000 | 527,000 |
| Net income | 258,000 | 531,000 | 806,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,992,000 | 8,265,000 | 8,540,000 | 8,758,000 |
| Total capital | 8,810,000 | 9,139,000 | 9,473,000 | 9,694,000 |
| Risk-weighted assets | 82,242,000 | 82,867,000 | 84,435,000 | 86,891,000 |