Call reports 2009
FIRST CAPITAL BANK — 2009
What FIRST CAPITAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,378,000 | 48,089,000 | 51,734,000 | 52,221,000 |
| Total loans | 35,810,000 | 36,711,000 | 38,995,000 | 40,430,000 |
| Allowance for loan losses | 358,000 | 417,000 | 449,000 | 485,000 |
| Securities available for sale | 7,050,000 | 5,114,000 | 4,471,000 | 4,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,382,000 | 44,121,000 | 47,234,000 | 47,672,000 |
| Interest-bearing deposits | 36,941,000 | 33,570,000 | 35,677,000 | 36,145,000 |
| Noninterest-bearing deposits | 10,441,000 | 10,552,000 | 11,557,000 | 11,527,000 |
| Equity capital | 3,882,000 | 3,869,000 | 4,430,000 | 4,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,300,000 | 1,948,000 | 2,630,000 |
| Interest expense | 145,000 | 275,000 | 394,000 | 503,000 |
| Net interest income | 502,000 | 1,025,000 | 1,554,000 | 2,127,000 |
| Noninterest income | 99,000 | 219,000 | 341,000 | 459,000 |
| Noninterest expense | 480,000 | 975,000 | 1,504,000 | 2,108,000 |
| Provision for loan losses | 64,000 | 124,000 | 163,000 | 203,000 |
| Pretax income | 57,000 | 145,000 | 228,000 | 275,000 |
| Income tax | 17,000 | 50,000 | 77,000 | 76,000 |
| Net income | 40,000 | 95,000 | 151,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,777,000 | 3,811,000 | 4,342,000 | 4,390,000 |
| Total capital | 4,135,000 | 4,228,000 | 4,791,000 | 4,875,000 |
| Risk-weighted assets | 38,650,000 | 38,790,000 | 41,069,000 | 41,533,000 |