Call reports 2005
CAPITAL BANK — 2005
What CAPITAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 134,755,000 | 141,074,000 | 152,688,000 | 155,510,000 |
| Total loans | 97,609,000 | 105,136,000 | 112,569,000 | 122,487,000 |
| Allowance for loan losses | 803,000 | 802,000 | 843,000 | 928,000 |
| Securities available for sale | 15,656,000 | 15,347,000 | 7,751,000 | 7,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,334,000 | 125,151,000 | 136,227,000 | 138,692,000 |
| Interest-bearing deposits | 71,532,000 | 76,884,000 | 82,015,000 | 84,865,000 |
| Noninterest-bearing deposits | 47,802,000 | 48,267,000 | 54,212,000 | 53,827,000 |
| Equity capital | 14,645,000 | 14,803,000 | 15,031,000 | 14,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,828,000 | 3,764,000 | 5,944,000 | 8,346,000 |
| Interest expense | 284,000 | 607,000 | 1,032,000 | 1,549,000 |
| Net interest income | 1,544,000 | 3,157,000 | 4,912,000 | 6,797,000 |
| Noninterest income | 404,000 | 767,000 | 1,151,000 | 1,541,000 |
| Noninterest expense | 1,570,000 | 3,174,000 | 4,874,000 | 6,673,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 200,000 |
| Pretax income | 378,000 | 750,000 | 1,147,000 | 1,473,000 |
| Income tax | 111,000 | 221,000 | 340,000 | 445,000 |
| Net income | 267,000 | 529,000 | 807,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,818,000 | 14,913,000 | 15,191,000 | 15,173,000 |
| Total capital | 15,621,000 | 15,715,000 | 16,034,000 | 16,101,000 |
| Risk-weighted assets | 112,167,000 | 119,646,000 | 129,112,000 | 138,263,000 |