Call reports 2005
CAPITOL CITY BANK & TRUST COMPANY — 2005
What CAPITOL CITY BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 209,574,000 | 213,190,000 | 228,053,000 | 240,434,000 |
| Total loans | 148,524,000 | 156,899,000 | 160,140,000 | 172,504,000 |
| Allowance for loan losses | 2,157,000 | 2,109,000 | 2,210,000 | 2,763,000 |
| Securities available for sale | 43,974,000 | 42,841,000 | 50,332,000 | 51,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,063,000 | 192,449,000 | 205,932,000 | 218,023,000 |
| Interest-bearing deposits | 158,522,000 | 164,449,000 | 176,465,000 | 185,042,000 |
| Noninterest-bearing deposits | 34,541,000 | 28,000,000 | 29,467,000 | 32,981,000 |
| Equity capital | 15,556,000 | 16,232,000 | 16,840,000 | 16,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,303,000 | 6,997,000 | 11,243,000 | 15,743,000 |
| Interest expense | 1,321,000 | 2,758,000 | 4,377,000 | 6,185,000 |
| Net interest income | 1,982,000 | 4,239,000 | 6,866,000 | 9,558,000 |
| Noninterest income | 577,000 | 1,182,000 | 1,789,000 | 2,460,000 |
| Noninterest expense | 1,754,000 | 3,641,000 | 5,297,000 | 7,624,000 |
| Provision for loan losses | 54,000 | 98,000 | 222,000 | 775,000 |
| Pretax income | 751,000 | 1,682,000 | 3,136,000 | 3,619,000 |
| Income tax | 245,000 | 523,000 | 1,005,000 | 1,193,000 |
| Net income | 506,000 | 1,159,000 | 2,131,000 | 2,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,760,000 | 16,274,000 | 17,131,000 | 17,234,000 |
| Total capital | 17,812,000 | 18,383,000 | 19,341,000 | 19,687,000 |
| Risk-weighted assets | 164,017,000 | 173,886,000 | 179,860,000 | 195,921,000 |