Call reports 2025
CAPITOL BANK — 2025
What CAPITOL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 640,116,000 | 601,767,000 | 615,154,000 | 633,691,000 |
| Total loans | 492,921,000 | 480,577,000 | 477,227,000 | 478,291,000 |
| Allowance for loan losses | 5,936,000 | 6,052,000 | 6,199,000 | 6,313,000 |
| Securities available for sale | 80,842,000 | 84,995,000 | 83,714,000 | 85,391,000 |
| Securities held to maturity | 0 | 0 | 250,000 | 2,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,345,000 | 512,275,000 | 523,087,000 | 542,795,000 |
| Interest-bearing deposits | 476,717,000 | 431,656,000 | 435,024,000 | 465,303,000 |
| Noninterest-bearing deposits | 75,628,000 | 80,619,000 | 88,063,000 | 77,492,000 |
| Equity capital | 63,037,000 | 64,403,000 | 66,578,000 | 67,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,975,000 | 15,892,000 | 23,808,000 | 31,569,000 |
| Interest expense | 4,095,000 | 7,770,000 | 11,125,000 | 14,289,000 |
| Net interest income | 3,880,000 | 8,122,000 | 12,683,000 | 17,280,000 |
| Noninterest income | 323,000 | 641,000 | 1,020,000 | 1,289,000 |
| Noninterest expense | 3,017,000 | 5,881,000 | 8,790,000 | 11,682,000 |
| Provision for loan losses | 130,000 | 308,000 | 453,000 | 569,000 |
| Pretax income | 998,000 | 2,565,000 | 4,340,000 | 6,186,000 |
| Income tax | 145,000 | 384,000 | 666,000 | 854,000 |
| Net income | 853,000 | 2,181,000 | 3,674,000 | 5,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,531,000 | 67,399,000 | 68,894,000 | 69,552,000 |
| Total capital | 72,601,000 | 73,536,000 | 75,038,000 | 75,800,000 |
| Risk-weighted assets | 515,831,000 | 497,223,000 | 491,316,000 | 499,647,000 |