Call reports 2005
CAPITAL BANK, S.S.B. — 2005
What CAPITAL BANK, S.S.B. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 48,049,000 | 51,723,000 | 54,012,000 | 56,739,000 |
| Total loans | 34,988,000 | 36,572,000 | 37,106,000 | 39,074,000 |
| Allowance for loan losses | 658,000 | 421,000 | 430,000 | 388,000 |
| Securities available for sale | 2,031,000 | 1,834,000 | 1,675,000 | 1,516,000 |
| Securities held to maturity | 7,980,000 | 8,980,000 | 11,480,000 | 11,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,780,000 | 40,516,000 | 42,152,000 | 42,514,000 |
| Interest-bearing deposits | 35,590,000 | 36,486,000 | 37,085,000 | 37,343,000 |
| Noninterest-bearing deposits | 4,190,000 | 4,030,000 | 5,066,000 | 5,171,000 |
| Equity capital | 5,173,000 | 5,532,000 | 6,146,000 | 6,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,656,000 | 2,551,000 | 3,527,000 |
| Interest expense | 270,000 | 575,000 | 926,000 | 1,306,000 |
| Net interest income | 520,000 | 1,081,000 | 1,625,000 | 2,221,000 |
| Noninterest income | 43,000 | 87,000 | 130,000 | 173,000 |
| Noninterest expense | 446,000 | 925,000 | 1,376,000 | 1,795,000 |
| Provision for loan losses | 0 | -226,000 | -205,000 | -176,000 |
| Pretax income | 117,000 | 469,000 | 584,000 | 775,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 117,000 | 469,000 | 584,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,199,000 | 5,551,000 | 6,166,000 | 6,357,000 |
| Total capital | 5,620,000 | 5,977,000 | 6,603,000 | 6,752,000 |
| Risk-weighted assets | 33,474,000 | 35,520,000 | 36,619,000 | 38,887,000 |