Call reports 2014
1ST CAPITAL BANK — 2014
What 1ST CAPITAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 424,474,000 | 453,761,000 | 443,609,000 | 464,863,000 |
| Total loans | 276,641,000 | 299,983,000 | 323,136,000 | 326,501,000 |
| Allowance for loan losses | 4,834,000 | 5,001,000 | 5,263,000 | 5,325,000 |
| Securities available for sale | 107,252,000 | 106,673,000 | 101,625,000 | 96,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,068,000 | 413,533,000 | 394,475,000 | 422,753,000 |
| Interest-bearing deposits | 244,937,000 | 256,829,000 | 247,289,000 | 240,814,000 |
| Noninterest-bearing deposits | 140,131,000 | 156,704,000 | 147,186,000 | 181,939,000 |
| Equity capital | 38,394,000 | 39,419,000 | 40,277,000 | 41,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,202,000 | 6,549,000 | 10,051,000 | 13,819,000 |
| Interest expense | 149,000 | 308,000 | 466,000 | 621,000 |
| Net interest income | 3,053,000 | 6,241,000 | 9,585,000 | 13,198,000 |
| Noninterest income | 73,000 | 151,000 | 217,000 | 302,000 |
| Noninterest expense | 2,332,000 | 4,714,000 | 7,174,000 | 9,758,000 |
| Provision for loan losses | 120,000 | 275,000 | 525,000 | 575,000 |
| Pretax income | 674,000 | 1,449,000 | 2,265,000 | 3,329,000 |
| Income tax | 266,000 | 586,000 | 932,000 | 1,369,000 |
| Net income | 408,000 | 863,000 | 1,333,000 | 1,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,251,000 | 39,210,000 | 40,060,000 | 40,924,000 |
| Total capital | 41,688,000 | 42,877,000 | 43,789,000 | 44,692,000 |
| Risk-weighted assets | 273,459,000 | 291,922,000 | 296,732,000 | 299,692,000 |