Call reports 2007
CAPITOL BANK — 2007
What CAPITOL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 166,536,000 | 176,417,000 | 174,708,000 | 179,398,000 |
| Total loans | 147,420,000 | 154,525,000 | 153,990,000 | 164,055,000 |
| Allowance for loan losses | 1,582,000 | 1,645,000 | 1,701,000 | 1,789,000 |
| Securities available for sale | 9,279,000 | 8,501,000 | 8,262,000 | 8,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,879,000 | 154,817,000 | 152,273,000 | 154,740,000 |
| Interest-bearing deposits | 129,774,000 | 137,920,000 | 132,748,000 | 133,779,000 |
| Noninterest-bearing deposits | 18,105,000 | 16,897,000 | 19,525,000 | 20,961,000 |
| Equity capital | 13,893,000 | 14,213,000 | 14,713,000 | 15,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,806,000 | 5,705,000 | 8,766,000 | 11,841,000 |
| Interest expense | 1,408,000 | 2,834,000 | 4,334,000 | 5,809,000 |
| Net interest income | 1,398,000 | 2,871,000 | 4,432,000 | 6,032,000 |
| Noninterest income | 178,000 | 335,000 | 472,000 | 595,000 |
| Noninterest expense | 931,000 | 1,850,000 | 2,793,000 | 3,734,000 |
| Provision for loan losses | 68,000 | 135,000 | 202,000 | 270,000 |
| Pretax income | 577,000 | 1,221,000 | 1,909,000 | 2,623,000 |
| Income tax | 228,000 | 482,000 | 753,000 | 1,035,000 |
| Net income | 349,000 | 739,000 | 1,156,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,881,000 | 14,271,000 | 14,683,000 | 15,116,000 |
| Total capital | 15,463,000 | 15,916,000 | 16,384,000 | 16,905,000 |
| Risk-weighted assets | 150,797,000 | 157,417,000 | 155,844,000 | 163,882,000 |