Call reports 2007
CAPITAL BANK, S.S.B. — 2007
What CAPITAL BANK, S.S.B. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 75,287,000 | 81,067,000 | 86,937,000 | 102,533,000 |
| Total loans | 57,610,000 | 62,868,000 | 69,466,000 | 72,747,000 |
| Allowance for loan losses | 435,000 | 641,000 | 706,000 | 824,000 |
| Securities available for sale | 1,067,000 | 995,000 | 927,000 | 9,116,000 |
| Securities held to maturity | 10,480,000 | 10,480,000 | 10,480,000 | 8,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,432,000 | 56,634,000 | 62,970,000 | 61,246,000 |
| Interest-bearing deposits | 48,109,000 | 51,960,000 | 57,451,000 | 55,479,000 |
| Noninterest-bearing deposits | 5,323,000 | 4,675,000 | 5,519,000 | 5,766,000 |
| Equity capital | 9,643,000 | 9,740,000 | 9,766,000 | 9,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 3,178,000 | 5,024,000 | 6,913,000 |
| Interest expense | 649,000 | 1,394,000 | 2,234,000 | 3,172,000 |
| Net interest income | 808,000 | 1,784,000 | 2,790,000 | 3,741,000 |
| Noninterest income | 52,000 | 118,000 | 205,000 | 261,000 |
| Noninterest expense | 513,000 | 1,111,000 | 1,729,000 | 2,330,000 |
| Provision for loan losses | 43,000 | 85,000 | 132,000 | 253,000 |
| Pretax income | 304,000 | 706,000 | 1,134,000 | 1,419,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 304,000 | 706,000 | 1,134,000 | 1,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,654,000 | 9,752,000 | 9,777,000 | 9,635,000 |
| Total capital | 10,109,000 | 10,420,000 | 10,510,000 | 10,477,000 |
| Risk-weighted assets | 55,962,000 | 62,639,000 | 68,831,000 | 75,024,000 |