Call reports 2007
CAPITAL BANK — 2007
What CAPITAL BANK 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 | 184,857,000 | 187,627,000 | 185,378,000 | 189,062,000 |
| Total loans | 128,672,000 | 133,007,000 | 138,280,000 | 143,528,000 |
| Allowance for loan losses | 980,000 | 894,000 | 875,000 | 922,000 |
| Securities available for sale | 11,453,000 | 15,921,000 | 15,771,000 | 15,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,204,000 | 168,500,000 | 163,039,000 | 166,343,000 |
| Interest-bearing deposits | 106,043,000 | 104,989,000 | 100,952,000 | 101,843,000 |
| Noninterest-bearing deposits | 61,161,000 | 63,511,000 | 62,087,000 | 64,500,000 |
| Equity capital | 15,900,000 | 15,580,000 | 16,022,000 | 16,222,000 |
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 | 2,900,000 | 5,944,000 | 9,055,000 | 12,148,000 |
| Interest expense | 875,000 | 1,838,000 | 2,790,000 | 3,715,000 |
| Net interest income | 2,025,000 | 4,106,000 | 6,265,000 | 8,433,000 |
| Noninterest income | 410,000 | 827,000 | 1,215,000 | 1,658,000 |
| Noninterest expense | 2,143,000 | 4,275,000 | 6,373,000 | 8,385,000 |
| Provision for loan losses | 70,000 | 645,000 | 685,000 | 773,000 |
| Pretax income | 222,000 | 13,000 | 436,000 | 947,000 |
| Income tax | 70,000 | -6,000 | 134,000 | 304,000 |
| Net income | 152,000 | 19,000 | 302,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,028,000 | 15,788,000 | 16,071,000 | 16,250,000 |
| Total capital | 17,008,000 | 16,682,000 | 16,946,000 | 17,172,000 |
| Risk-weighted assets | 155,745,000 | 157,216,000 | 163,143,000 | 168,711,000 |