Call reports 2004
FIRST CAPITAL BANK — 2004
What FIRST CAPITAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,749,000 | 31,054,000 | 31,057,000 | 31,757,000 |
| Total loans | 11,727,000 | 11,735,000 | 11,555,000 | 12,143,000 |
| Allowance for loan losses | 125,000 | 125,000 | 123,000 | 121,000 |
| Securities available for sale | 12,548,000 | 16,528,000 | 15,879,000 | 15,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,533,000 | 28,115,000 | 28,032,000 | 28,829,000 |
| Interest-bearing deposits | 24,583,000 | 22,280,000 | 22,360,000 | 22,618,000 |
| Noninterest-bearing deposits | 5,950,000 | 5,835,000 | 5,672,000 | 6,211,000 |
| Equity capital | 3,095,000 | 2,873,000 | 2,981,000 | 2,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 372,000 | 709,000 | 1,046,000 | 1,393,000 |
| Interest expense | 137,000 | 264,000 | 377,000 | 491,000 |
| Net interest income | 235,000 | 445,000 | 669,000 | 902,000 |
| Noninterest income | 92,000 | 184,000 | 277,000 | 359,000 |
| Noninterest expense | 301,000 | 595,000 | 878,000 | 1,165,000 |
| Provision for loan losses | 2,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 49,000 | 105,000 | 140,000 | 168,000 |
| Income tax | 0 | 0 | 0 | 13,000 |
| Net income | 49,000 | 105,000 | 140,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,995,000 | 2,991,000 | 3,007,000 | 2,976,000 |
| Total capital | 3,120,000 | 3,116,000 | 3,130,000 | 3,097,000 |
| Risk-weighted assets | 15,927,000 | 15,563,000 | 15,311,000 | 15,797,000 |