Call reports 2007
FIRSTCAPITAL BANK OF TEXAS,N.A. — 2007
What FIRSTCAPITAL BANK OF TEXAS,N.A. 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 | 186,609,000 | 207,090,000 | 224,462,000 | 243,996,000 |
| Total loans | 108,111,000 | 134,155,000 | 145,665,000 | 161,847,000 |
| Allowance for loan losses | 1,337,000 | 1,557,000 | 1,798,000 | 1,974,000 |
| Securities available for sale | 15,841,000 | 10,535,000 | 10,453,000 | 10,371,000 |
| Securities held to maturity | 44,047,000 | 43,344,000 | 42,718,000 | 40,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,966,000 | 176,194,000 | 198,259,000 | 217,424,000 |
| Interest-bearing deposits | 93,237,000 | 111,154,000 | 133,587,000 | 143,900,000 |
| Noninterest-bearing deposits | 61,729,000 | 65,040,000 | 64,672,000 | 73,525,000 |
| Equity capital | 20,389,000 | 20,711,000 | 21,275,000 | 21,847,000 |
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 | 2,694,000 | 6,034,000 | 9,789,000 | 13,646,000 |
| Interest expense | 675,000 | 1,620,000 | 2,758,000 | 3,952,000 |
| Net interest income | 2,019,000 | 4,414,000 | 7,031,000 | 9,694,000 |
| Noninterest income | 455,000 | 1,017,000 | 1,669,000 | 2,247,000 |
| Noninterest expense | 1,870,000 | 4,029,000 | 6,303,000 | 8,619,000 |
| Provision for loan losses | 95,000 | 345,000 | 645,000 | 820,000 |
| Pretax income | 509,000 | 1,049,000 | 1,744,000 | 2,494,000 |
| Income tax | 155,000 | 318,000 | 532,000 | 765,000 |
| Net income | 354,000 | 731,000 | 1,212,000 | 1,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,521,000 | 20,898,000 | 21,380,000 | 21,896,000 |
| Total capital | 21,858,000 | 22,455,000 | 23,178,000 | 23,870,000 |
| Risk-weighted assets | 137,214,000 | 162,911,000 | 174,197,000 | 196,533,000 |