Call reports 2003
CAPITOL CITY BANK & TRUST COMPANY — 2003
What CAPITOL CITY BANK & TRUST COMPANY 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 | 119,794,000 | 123,598,000 | 131,065,000 | 136,860,000 |
| Total loans | 73,701,000 | 78,717,000 | 86,421,000 | 93,492,000 |
| Allowance for loan losses | 1,043,000 | 959,000 | 1,023,000 | 1,701,000 |
| Securities available for sale | 32,996,000 | 31,215,000 | 29,069,000 | 32,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,653,000 | 107,370,000 | 114,901,000 | 118,682,000 |
| Interest-bearing deposits | 77,278,000 | 83,389,000 | 91,817,000 | 95,036,000 |
| Noninterest-bearing deposits | 28,375,000 | 23,981,000 | 23,084,000 | 23,646,000 |
| Equity capital | 10,268,000 | 14,000,000 | 14,089,000 | 13,965,000 |
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 | 1,763,000 | 3,621,000 | 5,552,000 | 7,603,000 |
| Interest expense | 564,000 | 1,136,000 | 1,728,000 | 2,411,000 |
| Net interest income | 1,199,000 | 2,485,000 | 3,824,000 | 5,192,000 |
| Noninterest income | 528,000 | 1,113,000 | 1,708,000 | 2,282,000 |
| Noninterest expense | 1,197,000 | 2,387,000 | 3,659,000 | 5,036,000 |
| Provision for loan losses | 155,000 | 211,000 | 261,000 | 947,000 |
| Pretax income | 375,000 | 1,000,000 | 1,612,000 | 1,491,000 |
| Income tax | 121,000 | 265,000 | 437,000 | 325,000 |
| Net income | 254,000 | 735,000 | 1,175,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,623,000 | 13,223,000 | 13,572,000 | 13,478,000 |
| Total capital | 10,666,000 | 14,182,000 | 14,595,000 | 15,040,000 |
| Risk-weighted assets | 107,738,000 | 111,157,000 | 116,935,000 | 124,859,000 |