Call reports 2016
CAPITAL BANK — 2016
What CAPITAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 353,963,000 | 355,502,000 | 367,863,000 | 372,726,000 |
| Total loans | 297,524,000 | 303,512,000 | 313,124,000 | 317,818,000 |
| Allowance for loan losses | 2,673,000 | 2,618,000 | 2,716,000 | 2,860,000 |
| Securities available for sale | 20,207,000 | 19,669,000 | 18,967,000 | 25,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,493,000 | 310,985,000 | 321,941,000 | 326,361,000 |
| Interest-bearing deposits | 190,982,000 | 190,033,000 | 198,882,000 | 202,207,000 |
| Noninterest-bearing deposits | 117,511,000 | 120,952,000 | 123,059,000 | 124,154,000 |
| Equity capital | 32,236,000 | 32,582,000 | 33,595,000 | 33,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,012,000 | 8,166,000 | 12,487,000 | 16,783,000 |
| Interest expense | 284,000 | 577,000 | 904,000 | 1,275,000 |
| Net interest income | 3,728,000 | 7,589,000 | 11,583,000 | 15,508,000 |
| Noninterest income | 458,000 | 890,000 | 1,367,000 | 1,813,000 |
| Noninterest expense | 2,762,000 | 5,562,000 | 8,396,000 | 11,088,000 |
| Provision for loan losses | 143,000 | 284,000 | 451,000 | 596,000 |
| Pretax income | 1,316,000 | 2,668,000 | 4,166,000 | 5,700,000 |
| Income tax | 450,000 | 912,000 | 1,424,000 | 1,949,000 |
| Net income | 866,000 | 1,756,000 | 2,742,000 | 3,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,873,000 | 32,115,000 | 33,100,000 | 33,464,000 |
| Total capital | 34,547,000 | 34,733,000 | 35,816,000 | 36,324,000 |
| Risk-weighted assets | 306,219,000 | 312,468,000 | 320,321,000 | 325,515,000 |