Call reports 2004
CAPITOL BANK — 2004
What CAPITOL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 106,057,000 | 112,073,000 | 118,617,000 | 116,051,000 |
| Total loans | 85,184,000 | 94,250,000 | 93,714,000 | 98,424,000 |
| Allowance for loan losses | 973,000 | 1,000,000 | 963,000 | 1,000,000 |
| Securities available for sale | 9,188,000 | 8,898,000 | 7,303,000 | 10,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,506,000 | 96,494,000 | 102,702,000 | 98,986,000 |
| Interest-bearing deposits | 76,794,000 | 82,308,000 | 86,349,000 | 84,897,000 |
| Noninterest-bearing deposits | 13,711,000 | 14,186,000 | 16,354,000 | 14,089,000 |
| Equity capital | 8,957,000 | 9,170,000 | 9,430,000 | 9,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,605,000 | 4,049,000 | 5,627,000 |
| Interest expense | 387,000 | 775,000 | 1,186,000 | 1,644,000 |
| Net interest income | 876,000 | 1,830,000 | 2,863,000 | 3,983,000 |
| Noninterest income | 150,000 | 331,000 | 494,000 | 659,000 |
| Noninterest expense | 703,000 | 1,403,000 | 2,145,000 | 2,842,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 285,000 | 683,000 | 1,099,000 | 1,641,000 |
| Income tax | 97,000 | 242,000 | 412,000 | 641,000 |
| Net income | 188,000 | 441,000 | 687,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,945,000 | 9,199,000 | 9,445,000 | 9,758,000 |
| Total capital | 9,918,000 | 10,199,000 | 10,408,000 | 10,758,000 |
| Risk-weighted assets | 85,508,000 | 92,638,000 | 93,493,000 | 98,246,000 |