Call reports 2004
CAPITAL BANK, S.S.B. — 2004
What CAPITAL BANK, S.S.B. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,751,000 | 45,471,000 | 45,196,000 | 48,481,000 |
| Total loans | 36,450,000 | 35,997,000 | 35,409,000 | 34,877,000 |
| Allowance for loan losses | 616,000 | 604,000 | 601,000 | 664,000 |
| Securities available for sale | 3,975,000 | 5,750,000 | 5,491,000 | 2,180,000 |
| Securities held to maturity | 1,650,000 | 1,650,000 | 2,000,000 | 7,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,763,000 | 37,851,000 | 39,129,000 | 39,899,000 |
| Interest-bearing deposits | 36,167,000 | 34,615,000 | 35,398,000 | 35,676,000 |
| Noninterest-bearing deposits | 3,596,000 | 3,236,000 | 3,732,000 | 4,223,000 |
| Equity capital | 3,927,000 | 3,858,000 | 3,989,000 | 4,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,514,000 | 2,264,000 | 3,034,000 |
| Interest expense | 264,000 | 521,000 | 770,000 | 1,034,000 |
| Net interest income | 502,000 | 993,000 | 1,494,000 | 2,000,000 |
| Noninterest income | 50,000 | 89,000 | 120,000 | 147,000 |
| Noninterest expense | 490,000 | 1,000,000 | 1,467,000 | 1,926,000 |
| Provision for loan losses | 3,000 | 9,000 | 9,000 | 24,000 |
| Pretax income | 59,000 | 80,000 | 145,000 | 204,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 80,000 | 145,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,937,000 | 3,958,000 | 4,023,000 | 4,582,000 |
| Total capital | 4,371,000 | 4,384,000 | 4,439,000 | 5,002,000 |
| Risk-weighted assets | 34,559,000 | 33,934,000 | 33,129,000 | 33,313,000 |