Call reports 2004
FIRST CAPITAL BANK — 2004
What FIRST CAPITAL BANK 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 | 209,928,000 | 254,003,000 | 260,262,000 | 249,575,000 |
| Total loans | 149,701,000 | 158,328,000 | 147,819,000 | 146,547,000 |
| Allowance for loan losses | 1,768,000 | 2,004,000 | 2,145,000 | 2,189,000 |
| Securities available for sale | 50,603,000 | 57,217,000 | 63,803,000 | 63,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,263,000 | 161,555,000 | 165,429,000 | 149,155,000 |
| Interest-bearing deposits | 135,079,000 | 149,317,000 | 152,223,000 | 136,649,000 |
| Noninterest-bearing deposits | 10,184,000 | 12,238,000 | 13,206,000 | 12,506,000 |
| Equity capital | 15,491,000 | 41,828,000 | 42,689,000 | 42,820,000 |
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 | 2,722,000 | 852,000 | 3,657,000 | 6,408,000 |
| Interest expense | 1,013,000 | 311,000 | 1,329,000 | 2,348,000 |
| Net interest income | 1,709,000 | 541,000 | 2,328,000 | 4,060,000 |
| Noninterest income | 224,000 | 108,000 | 467,000 | 581,000 |
| Noninterest expense | 1,120,000 | 387,000 | 1,631,000 | 2,779,000 |
| Provision for loan losses | 90,000 | 30,000 | 170,000 | 230,000 |
| Pretax income | 722,000 | 232,000 | 994,000 | 1,814,000 |
| Income tax | 258,000 | 82,000 | 338,000 | 644,000 |
| Net income | 464,000 | 150,000 | 656,000 | 1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,836,000 | 14,679,000 | 15,387,000 | 15,960,000 |
| Total capital | 16,604,000 | 16,683,000 | 17,302,000 | 17,827,000 |
| Risk-weighted assets | 152,265,000 | 161,889,000 | 153,002,000 | 149,072,000 |