Call reports 2006
CAPITOL BANK — 2006
What CAPITOL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 142,526,000 | 150,656,000 | 155,411,000 | 163,479,000 |
| Total loans | 121,630,000 | 129,224,000 | 137,581,000 | 144,740,000 |
| Allowance for loan losses | 1,316,000 | 1,383,000 | 1,455,000 | 1,522,000 |
| Securities available for sale | 11,674,000 | 10,667,000 | 9,965,000 | 9,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,852,000 | 128,011,000 | 136,461,000 | 142,066,000 |
| Interest-bearing deposits | 101,691,000 | 110,566,000 | 118,431,000 | 121,778,000 |
| Noninterest-bearing deposits | 19,161,000 | 17,445,000 | 18,030,000 | 20,288,000 |
| Equity capital | 11,426,000 | 12,158,000 | 12,597,000 | 13,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,493,000 | 7,060,000 | 9,793,000 |
| Interest expense | 824,000 | 1,868,000 | 3,093,000 | 4,426,000 |
| Net interest income | 1,286,000 | 2,625,000 | 3,967,000 | 5,367,000 |
| Noninterest income | 116,000 | 221,000 | 330,000 | 488,000 |
| Noninterest expense | 919,000 | 1,816,000 | 2,687,000 | 3,623,000 |
| Provision for loan losses | 68,000 | 135,000 | 203,000 | 270,000 |
| Pretax income | 415,000 | 895,000 | 1,407,000 | 1,961,000 |
| Income tax | 164,000 | 354,000 | 556,000 | 773,000 |
| Net income | 251,000 | 541,000 | 851,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,488,000 | 12,290,000 | 12,600,000 | 13,533,000 |
| Total capital | 12,804,000 | 13,673,000 | 14,055,000 | 15,055,000 |
| Risk-weighted assets | 127,547,000 | 133,797,000 | 139,440,000 | 147,998,000 |