Call reports 2004
CAPITAL BANK — 2004
What CAPITAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 124,348,000 | 119,902,000 | 130,183,000 | 137,169,000 |
| Total loans | 79,867,000 | 86,997,000 | 97,636,000 | 102,146,000 |
| Allowance for loan losses | 867,000 | 635,000 | 786,000 | 752,000 |
| Securities available for sale | 21,307,000 | 17,246,000 | 17,100,000 | 16,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,681,000 | 104,945,000 | 111,293,000 | 119,338,000 |
| Interest-bearing deposits | 64,780,000 | 62,683,000 | 68,002,000 | 70,477,000 |
| Noninterest-bearing deposits | 43,901,000 | 42,262,000 | 43,291,000 | 48,861,000 |
| Equity capital | 14,749,000 | 14,083,000 | 14,470,000 | 14,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,427,000 | 2,967,000 | 4,588,000 | 6,391,000 |
| Interest expense | 179,000 | 356,000 | 549,000 | 803,000 |
| Net interest income | 1,248,000 | 2,611,000 | 4,039,000 | 5,588,000 |
| Noninterest income | 385,000 | 821,000 | 1,235,000 | 1,682,000 |
| Noninterest expense | 1,444,000 | 3,207,000 | 4,676,000 | 6,024,000 |
| Provision for loan losses | 17,000 | 117,000 | 267,000 | 529,000 |
| Pretax income | 172,000 | 109,000 | 332,000 | 718,000 |
| Income tax | 39,000 | 0 | 59,000 | 173,000 |
| Net income | 133,000 | 109,000 | 273,000 | 545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,383,000 | 14,237,000 | 14,401,000 | 14,551,000 |
| Total capital | 15,250,000 | 14,872,000 | 15,187,000 | 15,303,000 |
| Risk-weighted assets | 97,023,000 | 101,528,000 | 110,727,000 | 114,956,000 |