Call reports 2025
FIRST CAPITAL BANK — 2025
What FIRST CAPITAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 95,230,000 | 101,677,000 | 107,156,000 | 116,310,000 |
| Total loans | 81,512,000 | 80,361,000 | 78,360,000 | 84,437,000 |
| Allowance for loan losses | 1,247,000 | 1,263,000 | 1,229,000 | 1,591,000 |
| Securities available for sale | 0 | 0 | 0 | 4,960,000 |
| Securities held to maturity | 994,000 | 999,000 | 969,000 | 979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,600,000 | 91,725,000 | 96,975,000 | 106,502,000 |
| Interest-bearing deposits | 49,850,000 | 51,615,000 | 53,780,000 | 63,785,000 |
| Noninterest-bearing deposits | 35,750,000 | 40,110,000 | 43,195,000 | 42,717,000 |
| Equity capital | 9,313,000 | 9,647,000 | 9,772,000 | 9,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,660,000 | 3,345,000 | 4,962,000 | 6,657,000 |
| Interest expense | 458,000 | 888,000 | 1,310,000 | 1,708,000 |
| Net interest income | 1,202,000 | 2,457,000 | 3,652,000 | 4,949,000 |
| Noninterest income | 137,000 | 274,000 | 422,000 | 567,000 |
| Noninterest expense | 961,000 | 1,975,000 | 2,989,000 | 3,995,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 766,000 |
| Pretax income | 278,000 | 656,000 | 985,000 | 755,000 |
| Income tax | 75,000 | 120,000 | 324,000 | 297,000 |
| Net income | 203,000 | 536,000 | 661,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,313,000 | 9,647,000 | 9,772,000 | 9,429,000 |
| Total capital | 10,296,000 | 10,645,000 | 10,766,000 | 10,484,000 |
| Risk-weighted assets | 78,308,000 | 79,537,000 | 79,204,000 | 83,780,000 |