Call reports 2005
FIRST CAPITAL BANK — 2005
What FIRST CAPITAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,084,000 | 30,808,000 | 30,431,000 | 30,081,000 |
| Total loans | 12,059,000 | 11,992,000 | 11,626,000 | 11,363,000 |
| Allowance for loan losses | 116,000 | 115,000 | 112,000 | 116,000 |
| Securities available for sale | 15,488,000 | 14,237,000 | 14,999,000 | 14,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,193,000 | 27,903,000 | 27,522,000 | 27,194,000 |
| Interest-bearing deposits | 21,961,000 | 21,444,000 | 21,332,000 | 20,442,000 |
| Noninterest-bearing deposits | 6,232,000 | 6,459,000 | 6,190,000 | 6,752,000 |
| Equity capital | 2,849,000 | 2,865,000 | 2,870,000 | 2,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 341,000 | 690,000 | 1,040,000 | 1,406,000 |
| Interest expense | 114,000 | 220,000 | 327,000 | 444,000 |
| Net interest income | 227,000 | 470,000 | 713,000 | 962,000 |
| Noninterest income | 89,000 | 180,000 | 277,000 | 369,000 |
| Noninterest expense | 294,000 | 586,000 | 888,000 | 1,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 22,000 | 64,000 | 102,000 | 127,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 22,000 | 64,000 | 102,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,965,000 | 2,983,000 | 2,988,000 | 2,977,000 |
| Total capital | 3,081,000 | 3,098,000 | 3,100,000 | 3,093,000 |
| Risk-weighted assets | 15,621,000 | 15,785,000 | 15,340,000 | 14,985,000 |