Call reports 2008
CAPITAL BANK, S.S.B. — 2008
What CAPITAL BANK, S.S.B. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,042,000 | 105,153,000 | 109,339,000 | 112,141,000 |
| Total loans | 79,097,000 | 82,278,000 | 88,284,000 | 93,315,000 |
| Allowance for loan losses | 740,000 | 796,000 | 773,000 | 1,460,000 |
| Securities available for sale | 15,219,000 | 14,198,000 | 13,572,000 | 12,662,000 |
| Securities held to maturity | 500,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,154,000 | 64,598,000 | 64,693,000 | 68,168,000 |
| Interest-bearing deposits | 56,101,000 | 54,450,000 | 55,537,000 | 61,074,000 |
| Noninterest-bearing deposits | 7,053,000 | 10,148,000 | 9,156,000 | 7,094,000 |
| Equity capital | 9,709,000 | 9,545,000 | 9,579,000 | 8,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,587,000 | 5,338,000 | 7,078,000 |
| Interest expense | 904,000 | 1,738,000 | 2,574,000 | 3,362,000 |
| Net interest income | 938,000 | 1,849,000 | 2,764,000 | 3,716,000 |
| Noninterest income | 64,000 | 122,000 | 186,000 | 275,000 |
| Noninterest expense | 607,000 | 1,295,000 | 1,933,000 | 2,713,000 |
| Provision for loan losses | 52,000 | 104,000 | 219,000 | 900,000 |
| Pretax income | 343,000 | 572,000 | 798,000 | 378,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 343,000 | 572,000 | 798,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,693,000 | 9,578,000 | 9,576,000 | 8,976,000 |
| Total capital | 10,451,000 | 10,392,000 | 10,362,000 | 10,080,000 |
| Risk-weighted assets | 79,402,000 | 80,531,000 | 85,174,000 | 87,929,000 |