Call reports 2007
FIRST CAPITAL BANK — 2007
What FIRST CAPITAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,625,000 | 36,518,000 | 41,287,000 | 41,792,000 |
| Total loans | 10,362,000 | 15,363,000 | 18,773,000 | 19,976,000 |
| Allowance for loan losses | 106,000 | 142,000 | 181,000 | 190,000 |
| Securities available for sale | 14,669,000 | 13,454,000 | 12,449,000 | 11,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,597,000 | 32,610,000 | 37,304,000 | 37,900,000 |
| Interest-bearing deposits | 22,592,000 | 25,119,000 | 27,356,000 | 28,534,000 |
| Noninterest-bearing deposits | 6,005,000 | 7,491,000 | 9,948,000 | 9,367,000 |
| Equity capital | 3,966,000 | 3,827,000 | 3,873,000 | 3,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 951,000 | 1,520,000 | 2,211,000 |
| Interest expense | 200,000 | 412,000 | 646,000 | 906,000 |
| Net interest income | 249,000 | 539,000 | 874,000 | 1,305,000 |
| Noninterest income | 93,000 | 191,000 | 300,000 | 419,000 |
| Noninterest expense | 306,000 | 716,000 | 1,161,000 | 1,645,000 |
| Provision for loan losses | 0 | 39,000 | 83,000 | 95,000 |
| Pretax income | 36,000 | -25,000 | -65,000 | -11,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 36,000 | -25,000 | -65,000 | -11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,990,000 | 3,904,000 | 3,865,000 | 3,718,000 |
| Total capital | 4,096,000 | 4,046,000 | 4,046,000 | 3,908,000 |
| Risk-weighted assets | 14,510,000 | 19,655,000 | 23,827,000 | 25,056,000 |