Call reports 2005
CAPITOL BANK — 2005
What CAPITOL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 121,712,000 | 122,788,000 | 128,782,000 | 132,216,000 |
| Total loans | 103,609,000 | 106,805,000 | 105,518,000 | 112,225,000 |
| Allowance for loan losses | 1,060,000 | 1,124,000 | 1,190,000 | 1,248,000 |
| Securities available for sale | 10,790,000 | 9,562,000 | 9,064,000 | 11,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,844,000 | 103,868,000 | 108,559,000 | 112,275,000 |
| Interest-bearing deposits | 88,962,000 | 87,388,000 | 91,812,000 | 89,446,000 |
| Noninterest-bearing deposits | 15,882,000 | 16,480,000 | 16,747,000 | 22,829,000 |
| Equity capital | 9,972,000 | 10,238,000 | 11,080,000 | 11,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,619,000 | 3,358,000 | 5,261,000 | 7,231,000 |
| Interest expense | 496,000 | 1,032,000 | 1,668,000 | 2,381,000 |
| Net interest income | 1,123,000 | 2,326,000 | 3,593,000 | 4,850,000 |
| Noninterest income | 122,000 | 266,000 | 405,000 | 554,000 |
| Noninterest expense | 754,000 | 1,498,000 | 2,277,000 | 3,073,000 |
| Provision for loan losses | 60,000 | 128,000 | 195,000 | 263,000 |
| Pretax income | 431,000 | 966,000 | 1,526,000 | 2,068,000 |
| Income tax | 170,000 | 382,000 | 603,000 | 817,000 |
| Net income | 261,000 | 584,000 | 923,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,019,000 | 10,270,000 | 11,109,000 | 11,037,000 |
| Total capital | 11,079,000 | 11,394,000 | 12,299,000 | 12,285,000 |
| Risk-weighted assets | 106,571,000 | 109,243,000 | 110,959,000 | 118,583,000 |