Call reports 2006
CAPITOL CITY BANK & TRUST COMPANY — 2006
What CAPITOL CITY BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 245,188,000 | 246,445,000 | 247,212,000 | 249,774,000 |
| Total loans | 172,350,000 | 174,206,000 | 177,452,000 | 181,316,000 |
| Allowance for loan losses | 2,881,000 | 2,925,000 | 2,953,000 | 3,317,000 |
| Securities available for sale | 54,231,000 | 51,693,000 | 51,628,000 | 50,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,349,000 | 224,022,000 | 224,889,000 | 226,899,000 |
| Interest-bearing deposits | 190,881,000 | 192,078,000 | 192,856,000 | 196,353,000 |
| Noninterest-bearing deposits | 32,468,000 | 31,944,000 | 32,033,000 | 30,546,000 |
| Equity capital | 17,281,000 | 17,722,000 | 18,815,000 | 19,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,527,000 | 9,432,000 | 14,479,000 | 19,596,000 |
| Interest expense | 1,944,000 | 3,997,000 | 6,159,000 | 8,434,000 |
| Net interest income | 2,583,000 | 5,435,000 | 8,320,000 | 11,162,000 |
| Noninterest income | 533,000 | 1,071,000 | 1,632,000 | 2,254,000 |
| Noninterest expense | 2,172,000 | 4,433,000 | 6,453,000 | 8,978,000 |
| Provision for loan losses | 124,000 | 245,000 | 340,000 | 695,000 |
| Pretax income | 820,000 | 1,828,000 | 3,159,000 | 3,743,000 |
| Income tax | 257,000 | 581,000 | 1,029,000 | 1,268,000 |
| Net income | 563,000 | 1,247,000 | 2,130,000 | 2,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,848,000 | 18,531,000 | 19,261,000 | 19,607,000 |
| Total capital | 20,316,000 | 21,026,000 | 21,792,000 | 22,200,000 |
| Risk-weighted assets | 197,053,000 | 199,208,000 | 202,095,000 | 207,840,000 |