Call reports 2008
CAPITOL BANK — 2008
What CAPITOL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,847,000 | 189,372,000 | 205,331,000 | 213,372,000 |
| Total loans | 168,225,000 | 174,668,000 | 184,216,000 | 193,069,000 |
| Allowance for loan losses | 1,857,000 | 1,922,000 | 1,995,000 | 2,584,000 |
| Securities available for sale | 8,296,000 | 7,134,000 | 9,461,000 | 14,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,861,000 | 154,180,000 | 168,457,000 | 176,174,000 |
| Interest-bearing deposits | 128,475,000 | 131,301,000 | 146,679,000 | 153,905,000 |
| Noninterest-bearing deposits | 23,386,000 | 22,879,000 | 21,778,000 | 22,269,000 |
| Equity capital | 15,800,000 | 16,068,000 | 16,549,000 | 17,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,066,000 | 6,018,000 | 9,134,000 | 12,332,000 |
| Interest expense | 1,383,000 | 2,570,000 | 3,853,000 | 5,121,000 |
| Net interest income | 1,683,000 | 3,448,000 | 5,281,000 | 7,211,000 |
| Noninterest income | 235,000 | 429,000 | 571,000 | 765,000 |
| Noninterest expense | 1,028,000 | 2,089,000 | 3,164,000 | 4,227,000 |
| Provision for loan losses | 68,000 | 135,000 | 210,000 | 800,000 |
| Pretax income | 822,000 | 1,653,000 | 2,478,000 | 2,949,000 |
| Income tax | 324,000 | 653,000 | 977,000 | 1,183,000 |
| Net income | 498,000 | 1,000,000 | 1,501,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,612,000 | 15,991,000 | 16,492,000 | 17,257,000 |
| Total capital | 17,469,000 | 17,913,000 | 18,487,000 | 19,578,000 |
| Risk-weighted assets | 165,827,000 | 167,125,000 | 177,337,000 | 184,675,000 |