Call reports 2003
FIRSTCAPITAL BANK OF TEXAS,N.A. — 2003
What FIRSTCAPITAL BANK OF TEXAS,N.A. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,908,000 | 99,428,000 | 102,756,000 | 110,643,000 |
| Total loans | 35,547,000 | 39,366,000 | 44,049,000 | 46,866,000 |
| Allowance for loan losses | 519,000 | 534,000 | 548,000 | 537,000 |
| Securities available for sale | 20,455,000 | 21,426,000 | 18,521,000 | 16,702,000 |
| Securities held to maturity | 15,477,000 | 14,185,000 | 19,962,000 | 22,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,927,000 | 90,446,000 | 94,184,000 | 100,470,000 |
| Interest-bearing deposits | 59,948,000 | 60,998,000 | 61,933,000 | 62,587,000 |
| Noninterest-bearing deposits | 25,979,000 | 29,448,000 | 32,251,000 | 37,883,000 |
| Equity capital | 6,182,000 | 7,299,000 | 7,216,000 | 8,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,787,000 | 2,661,000 | 3,631,000 |
| Interest expense | 187,000 | 370,000 | 538,000 | 687,000 |
| Net interest income | 696,000 | 1,417,000 | 2,123,000 | 2,944,000 |
| Noninterest income | 127,000 | 317,000 | 489,000 | 642,000 |
| Noninterest expense | 809,000 | 1,645,000 | 2,510,000 | 3,411,000 |
| Provision for loan losses | 0 | 15,000 | 38,000 | 62,000 |
| Pretax income | 46,000 | 153,000 | 162,000 | 245,000 |
| Income tax | -1,000 | 24,000 | 14,000 | 28,000 |
| Net income | 47,000 | 129,000 | 148,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,107,000 | 7,189,000 | 7,207,000 | 7,977,000 |
| Total capital | 6,626,000 | 7,723,000 | 7,755,000 | 8,514,000 |
| Risk-weighted assets | 50,658,000 | 54,136,000 | 58,084,000 | 64,081,000 |