Call reports 2015
1ST CAPITAL BANK — 2015
What 1ST CAPITAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 480,450,000 | 480,666,000 | 502,318,000 | 513,950,000 |
| Total loans | 348,360,000 | 347,231,000 | 386,699,000 | 376,711,000 |
| Allowance for loan losses | 5,537,000 | 5,549,000 | 5,926,000 | 5,921,000 |
| Securities available for sale | 103,779,000 | 98,672,000 | 88,891,000 | 84,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,975,000 | 436,394,000 | 438,255,000 | 468,389,000 |
| Interest-bearing deposits | 276,287,000 | 276,474,000 | 262,297,000 | 263,765,000 |
| Noninterest-bearing deposits | 160,688,000 | 159,920,000 | 175,958,000 | 204,624,000 |
| Equity capital | 42,500,000 | 43,216,000 | 43,727,000 | 44,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,713,000 | 7,584,000 | 11,531,000 | 15,710,000 |
| Interest expense | 165,000 | 336,000 | 503,000 | 665,000 |
| Net interest income | 3,548,000 | 7,248,000 | 11,028,000 | 15,045,000 |
| Noninterest income | 317,000 | 429,000 | 536,000 | 610,000 |
| Noninterest expense | 2,658,000 | 5,482,000 | 8,319,000 | 11,265,000 |
| Provision for loan losses | 200,000 | 200,000 | 565,000 | 565,000 |
| Pretax income | 1,007,000 | 1,995,000 | 2,680,000 | 3,825,000 |
| Income tax | 306,000 | 693,000 | 973,000 | 1,444,000 |
| Net income | 701,000 | 1,302,000 | 1,707,000 | 2,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,211,000 | 42,941,000 | 43,437,000 | 44,258,000 |
| Total capital | 46,195,000 | 46,919,000 | 47,745,000 | 48,461,000 |
| Risk-weighted assets | 317,043,000 | 316,541,000 | 342,877,000 | 334,343,000 |