Call reports 2006
CAPITAL BANK — 2006
What CAPITAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 163,654,000 | 171,682,000 | 170,698,000 | 170,731,000 |
| Total loans | 123,209,000 | 124,636,000 | 130,120,000 | 128,355,000 |
| Allowance for loan losses | 929,000 | 916,000 | 934,000 | 953,000 |
| Securities available for sale | 7,529,000 | 7,302,000 | 7,245,000 | 7,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,210,000 | 155,180,000 | 153,622,000 | 153,849,000 |
| Interest-bearing deposits | 87,272,000 | 93,249,000 | 94,079,000 | 95,771,000 |
| Noninterest-bearing deposits | 59,938,000 | 61,931,000 | 59,543,000 | 58,078,000 |
| Equity capital | 15,179,000 | 15,291,000 | 15,609,000 | 15,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,463,000 | 5,203,000 | 8,019,000 | 10,891,000 |
| Interest expense | 566,000 | 1,218,000 | 1,950,000 | 2,743,000 |
| Net interest income | 1,897,000 | 3,985,000 | 6,069,000 | 8,148,000 |
| Noninterest income | 386,000 | 814,000 | 1,234,000 | 1,642,000 |
| Noninterest expense | 1,945,000 | 3,981,000 | 6,103,000 | 8,069,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 100,000 |
| Pretax income | 338,000 | 818,000 | 1,175,000 | 1,621,000 |
| Income tax | 107,000 | 261,000 | 374,000 | 521,000 |
| Net income | 231,000 | 557,000 | 801,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,404,000 | 15,547,000 | 15,790,000 | 15,858,000 |
| Total capital | 16,333,000 | 16,464,000 | 16,724,000 | 16,811,000 |
| Risk-weighted assets | 142,168,000 | 147,025,000 | 152,701,000 | 153,855,000 |