Call reports 2015
CAPITAL BANK — 2015
What CAPITAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 325,019,000 | 332,838,000 | 344,600,000 | 341,322,000 |
| Total loans | 264,560,000 | 268,382,000 | 280,868,000 | 293,875,000 |
| Allowance for loan losses | 2,601,000 | 2,685,000 | 2,629,000 | 2,578,000 |
| Securities available for sale | 28,614,000 | 27,231,000 | 26,092,000 | 24,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,267,000 | 298,124,000 | 305,218,000 | 303,911,000 |
| Interest-bearing deposits | 173,833,000 | 189,625,000 | 189,666,000 | 189,104,000 |
| Noninterest-bearing deposits | 105,434,000 | 108,499,000 | 115,552,000 | 114,807,000 |
| Equity capital | 29,736,000 | 29,862,000 | 30,892,000 | 31,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,687,000 | 7,473,000 | 11,431,000 | 15,484,000 |
| Interest expense | 253,000 | 515,000 | 781,000 | 1,053,000 |
| Net interest income | 3,434,000 | 6,958,000 | 10,650,000 | 14,431,000 |
| Noninterest income | 397,000 | 831,000 | 1,327,000 | 1,779,000 |
| Noninterest expense | 2,610,000 | 5,254,000 | 7,987,000 | 10,752,000 |
| Provision for loan losses | 86,000 | 170,000 | 255,000 | 353,000 |
| Pretax income | 1,135,000 | 2,365,000 | 3,748,000 | 5,118,000 |
| Income tax | 388,000 | 809,000 | 1,282,000 | 1,752,000 |
| Net income | 747,000 | 1,556,000 | 2,466,000 | 3,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,347,000 | 29,676,000 | 30,586,000 | 31,006,000 |
| Total capital | 31,948,000 | 32,361,000 | 33,216,000 | 33,584,000 |
| Risk-weighted assets | 276,368,000 | 279,753,000 | 293,947,000 | 303,505,000 |