Call reports 2008
CAPITOL CITY BANK & TRUST COMPANY — 2008
What CAPITOL CITY BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 286,646,000 | 287,071,000 | 295,507,000 | 300,190,000 |
| Total loans | 212,852,000 | 222,606,000 | 228,112,000 | 233,400,000 |
| Allowance for loan losses | 3,563,000 | 3,558,000 | 3,614,000 | 4,369,000 |
| Securities available for sale | 51,071,000 | 47,636,000 | 47,625,000 | 48,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,522,000 | 258,190,000 | 265,671,000 | 270,227,000 |
| Interest-bearing deposits | 228,270,000 | 227,178,000 | 234,953,000 | 238,001,000 |
| Noninterest-bearing deposits | 33,252,000 | 31,012,000 | 30,718,000 | 32,226,000 |
| Equity capital | 22,197,000 | 22,186,000 | 21,500,000 | 21,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,969,000 | 9,562,000 | 14,281,000 | 18,408,000 |
| Interest expense | 2,605,000 | 5,169,000 | 7,774,000 | 10,419,000 |
| Net interest income | 2,364,000 | 4,393,000 | 6,507,000 | 7,989,000 |
| Noninterest income | 544,000 | 1,086,000 | 1,574,000 | 2,093,000 |
| Noninterest expense | 2,207,000 | 4,097,000 | 6,163,000 | 8,546,000 |
| Provision for loan losses | 260,000 | 710,000 | 1,710,000 | 2,485,000 |
| Pretax income | 441,000 | 728,000 | 269,000 | -911,000 |
| Income tax | 152,000 | 225,000 | 22,000 | -407,000 |
| Net income | 289,000 | 503,000 | 247,000 | -504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,782,000 | 22,248,000 | 21,768,000 | 21,620,000 |
| Total capital | 24,779,000 | 24,986,000 | 24,862,000 | 24,764,000 |
| Risk-weighted assets | 243,893,000 | 255,789,000 | 246,973,000 | 250,336,000 |