Call reports 2003
CAPITAL BANK, S.S.B. — 2003
What CAPITAL BANK, S.S.B. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,511,000 | 51,799,000 | 52,542,000 | 48,730,000 |
| Total loans | 36,245,000 | 36,339,000 | 35,640,000 | 36,582,000 |
| Allowance for loan losses | 470,000 | 535,000 | 525,000 | 625,000 |
| Securities available for sale | 6,576,000 | 10,621,000 | 9,990,000 | 4,297,000 |
| Securities held to maturity | 1,791,000 | 650,000 | 3,650,000 | 3,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,049,000 | 43,707,000 | 45,712,000 | 42,828,000 |
| Interest-bearing deposits | 34,318,000 | 36,358,000 | 37,232,000 | 36,401,000 |
| Noninterest-bearing deposits | 8,731,000 | 7,349,000 | 8,481,000 | 6,428,000 |
| Equity capital | 4,228,000 | 4,200,000 | 4,153,000 | 3,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 808,000 | 1,605,000 | 2,349,000 | 3,121,000 |
| Interest expense | 260,000 | 528,000 | 804,000 | 1,074,000 |
| Net interest income | 548,000 | 1,077,000 | 1,545,000 | 2,047,000 |
| Noninterest income | 54,000 | 88,000 | 137,000 | 192,000 |
| Noninterest expense | 480,000 | 1,011,000 | 1,520,000 | 2,109,000 |
| Provision for loan losses | 0 | 60,000 | 63,000 | 313,000 |
| Pretax income | 166,000 | 138,000 | 128,000 | -184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 166,000 | 138,000 | 128,000 | -184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,227,000 | 4,200,000 | 4,164,000 | 3,878,000 |
| Total capital | 4,704,000 | 4,659,000 | 4,620,000 | 4,331,000 |
| Risk-weighted assets | 39,437,000 | 36,654,000 | 36,411,000 | 36,045,000 |