Call reports 2009
1ST CAPITAL BANK — 2009
What 1ST CAPITAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 150,717,000 | 159,694,000 | 156,890,000 | 192,297,000 |
| Total loans | 114,448,000 | 126,477,000 | 131,883,000 | 134,813,000 |
| Allowance for loan losses | 1,717,000 | 1,892,000 | 2,008,000 | 2,081,000 |
| Securities available for sale | 12,087,000 | 11,813,000 | 11,327,000 | 11,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,941,000 | 132,047,000 | 128,931,000 | 164,232,000 |
| Interest-bearing deposits | 97,967,000 | 102,843,000 | 98,580,000 | 108,962,000 |
| Noninterest-bearing deposits | 24,974,000 | 29,204,000 | 30,351,000 | 55,270,000 |
| Equity capital | 27,141,000 | 26,859,000 | 27,144,000 | 27,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,526,000 | 3,283,000 | 5,200,000 | 7,214,000 |
| Interest expense | 517,000 | 974,000 | 1,348,000 | 1,717,000 |
| Net interest income | 1,009,000 | 2,309,000 | 3,852,000 | 5,497,000 |
| Noninterest income | 31,000 | 55,000 | 78,000 | 106,000 |
| Noninterest expense | 1,307,000 | 2,854,000 | 4,230,000 | 5,779,000 |
| Provision for loan losses | 165,000 | 340,000 | 456,000 | 529,000 |
| Pretax income | -432,000 | -830,000 | -756,000 | -705,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -433,000 | -831,000 | -757,000 | -706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,909,000 | 26,656,000 | 26,853,000 | 27,012,000 |
| Total capital | 28,424,000 | 28,278,000 | 28,512,000 | 28,713,000 |
| Risk-weighted assets | 120,874,000 | 129,380,000 | 132,269,000 | 134,801,000 |