Call reports 2025
CAPITAL BANK — 2025
What CAPITAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 642,806,000 | 665,889,000 | 674,058,000 | 673,384,000 |
| Total loans | 538,551,000 | 558,272,000 | 565,048,000 | 577,304,000 |
| Allowance for loan losses | 6,443,000 | 6,626,000 | 6,661,000 | 6,587,000 |
| Securities available for sale | 72,117,000 | 74,936,000 | 77,856,000 | 75,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,204,000 | 593,308,000 | 580,010,000 | 589,649,000 |
| Interest-bearing deposits | 352,980,000 | 376,254,000 | 362,251,000 | 376,070,000 |
| Noninterest-bearing deposits | 218,224,000 | 217,054,000 | 217,759,000 | 213,579,000 |
| Equity capital | 63,538,000 | 63,891,000 | 67,729,000 | 68,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,225,000 | 19,013,000 | 29,302,000 | 39,724,000 |
| Interest expense | 2,495,000 | 5,051,000 | 7,706,000 | 10,330,000 |
| Net interest income | 6,730,000 | 13,962,000 | 21,596,000 | 29,394,000 |
| Noninterest income | 670,000 | 1,305,000 | 2,014,000 | 2,784,000 |
| Noninterest expense | 4,671,000 | 9,599,000 | 14,482,000 | 19,430,000 |
| Provision for loan losses | 225,000 | 450,000 | 494,000 | 719,000 |
| Pretax income | 2,504,000 | 5,218,000 | 8,453,000 | 11,848,000 |
| Income tax | 526,000 | 1,096,000 | 1,776,000 | 2,489,000 |
| Net income | 1,978,000 | 4,122,000 | 6,677,000 | 9,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,770,000 | 67,402,000 | 69,957,000 | 71,185,000 |
| Total capital | 72,989,000 | 73,804,000 | 76,395,000 | 77,549,000 |
| Risk-weighted assets | 520,343,000 | 543,238,000 | 548,675,000 | 556,445,000 |