Call reports 2008
1ST CAPITAL BANK — 2008
What 1ST CAPITAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 89,274,000 | 107,231,000 | 113,978,000 | 131,441,000 |
| Total loans | 61,904,000 | 82,651,000 | 87,585,000 | 103,416,000 |
| Allowance for loan losses | 962,000 | 1,239,000 | 1,309,000 | 1,552,000 |
| Securities available for sale | 7,658,000 | 6,143,000 | 5,910,000 | 11,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,526,000 | 79,099,000 | 85,898,000 | 103,417,000 |
| Interest-bearing deposits | 44,846,000 | 58,878,000 | 64,590,000 | 71,635,000 |
| Noninterest-bearing deposits | 15,680,000 | 20,221,000 | 21,309,000 | 31,782,000 |
| Equity capital | 28,498,000 | 27,776,000 | 27,723,000 | 27,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,098,000 | 2,322,000 | 3,733,000 | 5,188,000 |
| Interest expense | 313,000 | 665,000 | 1,086,000 | 1,516,000 |
| Net interest income | 785,000 | 1,657,000 | 2,647,000 | 3,672,000 |
| Noninterest income | 18,000 | 32,000 | 49,000 | 66,000 |
| Noninterest expense | 1,124,000 | 2,401,000 | 3,558,000 | 4,899,000 |
| Provision for loan losses | 368,000 | 648,000 | 718,000 | 962,000 |
| Pretax income | -689,000 | -1,360,000 | -1,580,000 | -2,123,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -690,000 | -1,361,000 | -1,581,000 | -2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,296,000 | 27,745,000 | 27,645,000 | 27,221,000 |
| Total capital | 29,156,000 | 28,857,000 | 28,832,000 | 28,587,000 |
| Risk-weighted assets | 68,677,000 | 89,184,000 | 94,807,000 | 108,852,000 |