Call reports 2008
CAPSTONE BANK — 2008
What CAPSTONE BANK 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 | 120,023,000 | 133,108,000 | 141,632,000 | 152,118,000 |
| Total loans | 95,228,000 | 106,152,000 | 110,392,000 | 115,299,000 |
| Allowance for loan losses | 1,190,000 | 1,523,000 | 1,435,000 | 1,775,000 |
| Securities available for sale | 23,020,000 | 21,645,000 | 26,305,000 | 28,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,372,000 | 89,383,000 | 97,408,000 | 96,965,000 |
| Interest-bearing deposits | 67,730,000 | 83,367,000 | 91,420,000 | 90,017,000 |
| Noninterest-bearing deposits | 5,642,000 | 6,016,000 | 5,988,000 | 6,948,000 |
| Equity capital | 23,247,000 | 22,951,000 | 23,678,000 | 24,262,000 |
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 | 1,795,000 | 3,730,000 | 5,757,000 | 7,882,000 |
| Interest expense | 774,000 | 1,574,000 | 2,478,000 | 3,342,000 |
| Net interest income | 1,021,000 | 2,156,000 | 3,279,000 | 4,540,000 |
| Noninterest income | 22,000 | 39,000 | 85,000 | 132,000 |
| Noninterest expense | 871,000 | 1,610,000 | 2,438,000 | 3,411,000 |
| Provision for loan losses | 143,000 | 476,000 | 737,000 | 1,077,000 |
| Pretax income | 43,000 | 123,000 | 203,000 | 287,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 123,000 | 203,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,797,000 | 22,642,000 | 23,068,000 | 23,259,000 |
| Total capital | 23,987,000 | 24,078,000 | 24,503,000 | 24,802,000 |
| Risk-weighted assets | 101,941,000 | 114,773,000 | 117,239,000 | 123,241,000 |
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