Call reports 2003
FIRST CAPITAL BANK — 2003
What FIRST CAPITAL BANK 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 | 210,193,000 | 216,184,000 | 215,739,000 | 217,286,000 |
| Total loans | 143,644,000 | 144,916,000 | 145,609,000 | 153,527,000 |
| Allowance for loan losses | 1,641,000 | 1,883,000 | 1,597,000 | 1,677,000 |
| Securities available for sale | 56,327,000 | 60,157,000 | 59,780,000 | 53,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,700,000 | 155,737,000 | 144,589,000 | 143,952,000 |
| Interest-bearing deposits | 137,008,000 | 142,721,000 | 134,907,000 | 132,973,000 |
| Noninterest-bearing deposits | 11,692,000 | 13,016,000 | 9,682,000 | 10,979,000 |
| Equity capital | 13,543,000 | 13,854,000 | 14,163,000 | 14,496,000 |
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 | 2,687,000 | 5,356,000 | 7,965,000 | 10,610,000 |
| Interest expense | 1,314,000 | 2,611,000 | 3,803,000 | 4,902,000 |
| Net interest income | 1,373,000 | 2,745,000 | 4,162,000 | 5,708,000 |
| Noninterest income | 318,000 | 767,000 | 1,193,000 | 1,456,000 |
| Noninterest expense | 968,000 | 2,097,000 | 3,315,000 | 4,534,000 |
| Provision for loan losses | 300,000 | 600,000 | 780,000 | 840,000 |
| Pretax income | 681,000 | 1,165,000 | 1,646,000 | 2,212,000 |
| Income tax | 208,000 | 348,000 | 497,000 | 682,000 |
| Net income | 473,000 | 817,000 | 1,149,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,166,000 | 13,509,000 | 13,992,000 | 14,372,000 |
| Total capital | 14,807,000 | 15,367,000 | 15,589,000 | 16,049,000 |
| Risk-weighted assets | 145,699,000 | 148,621,000 | 151,112,000 | 156,506,000 |