Call reports 2003
CAPITAL BANK — 2003
What CAPITAL BANK 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 | 115,552,000 | 119,345,000 | 127,325,000 | 119,550,000 |
| Total loans | 67,750,000 | 71,567,000 | 74,694,000 | 77,428,000 |
| Allowance for loan losses | 918,000 | 958,000 | 1,000,000 | 873,000 |
| Securities available for sale | 26,486,000 | 25,775,000 | 23,991,000 | 21,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,483,000 | 102,223,000 | 110,427,000 | 102,923,000 |
| Interest-bearing deposits | 60,016,000 | 61,772,000 | 63,599,000 | 61,935,000 |
| Noninterest-bearing deposits | 38,467,000 | 40,451,000 | 46,828,000 | 40,988,000 |
| Equity capital | 16,028,000 | 16,087,000 | 15,993,000 | 16,014,000 |
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 | 1,383,000 | 2,767,000 | 4,115,000 | 5,553,000 |
| Interest expense | 216,000 | 419,000 | 615,000 | 802,000 |
| Net interest income | 1,167,000 | 2,348,000 | 3,500,000 | 4,751,000 |
| Noninterest income | 429,000 | 855,000 | 1,255,000 | 1,498,000 |
| Noninterest expense | 1,335,000 | 2,629,000 | 3,929,000 | 5,145,000 |
| Provision for loan losses | 186,000 | 251,000 | 331,000 | 307,000 |
| Pretax income | 142,000 | 390,000 | 562,000 | 937,000 |
| Income tax | 27,000 | 90,000 | 125,000 | 228,000 |
| Net income | 115,000 | 300,000 | 437,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,508,000 | 15,591,000 | 15,728,000 | 15,743,000 |
| Total capital | 16,426,000 | 16,549,000 | 16,728,000 | 16,616,000 |
| Risk-weighted assets | 82,257,000 | 86,499,000 | 92,582,000 | 93,373,000 |