Call reports 2016
1ST CAPITAL BANK — 2016
What 1ST CAPITAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 554,359,000 | 546,044,000 | 523,708,000 | 549,927,000 |
| Total loans | 379,823,000 | 384,359,000 | 412,407,000 | 405,306,000 |
| Allowance for loan losses | 5,940,000 | 5,987,000 | 6,255,000 | 6,267,000 |
| Securities available for sale | 76,869,000 | 89,178,000 | 84,175,000 | 77,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,374,000 | 498,106,000 | 475,294,000 | 500,621,000 |
| Interest-bearing deposits | 314,040,000 | 303,202,000 | 284,215,000 | 260,822,000 |
| Noninterest-bearing deposits | 193,334,000 | 194,904,000 | 191,079,000 | 239,799,000 |
| Equity capital | 45,431,000 | 46,266,000 | 47,011,000 | 47,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,332,000 | 8,617,000 | 12,960,000 | 17,688,000 |
| Interest expense | 180,000 | 385,000 | 546,000 | 702,000 |
| Net interest income | 4,152,000 | 8,232,000 | 12,414,000 | 16,986,000 |
| Noninterest income | 69,000 | 163,000 | 238,000 | 421,000 |
| Noninterest expense | 3,033,000 | 6,008,000 | 8,922,000 | 12,062,000 |
| Provision for loan losses | 0 | 40,000 | 295,000 | 295,000 |
| Pretax income | 1,188,000 | 2,357,000 | 3,445,000 | 5,060,000 |
| Income tax | 484,000 | 964,000 | 1,407,000 | 1,992,000 |
| Net income | 704,000 | 1,393,000 | 2,038,000 | 3,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,230,000 | 46,143,000 | 46,924,000 | 48,093,000 |
| Total capital | 49,423,000 | 50,447,000 | 51,469,000 | 52,740,000 |
| Risk-weighted assets | 333,505,000 | 342,515,000 | 361,759,000 | 369,987,000 |