Call reports 2009
CAPSTONE BANK — 2009
What CAPSTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 158,713,000 | 167,857,000 | 175,095,000 | 184,731,000 |
| Total loans | 114,436,000 | 121,212,000 | 128,187,000 | 131,441,000 |
| Allowance for loan losses | 1,854,000 | 2,055,000 | 2,123,000 | 2,437,000 |
| Securities available for sale | 26,789,000 | 26,766,000 | 26,777,000 | 25,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,554,000 | 107,848,000 | 117,403,000 | 121,558,000 |
| Interest-bearing deposits | 95,075,000 | 99,475,000 | 106,859,000 | 111,216,000 |
| Noninterest-bearing deposits | 7,479,000 | 8,373,000 | 10,544,000 | 10,342,000 |
| Equity capital | 24,358,000 | 24,503,000 | 25,038,000 | 25,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,054,000 | 4,171,000 | 6,431,000 | 8,790,000 |
| Interest expense | 737,000 | 1,431,000 | 2,120,000 | 2,784,000 |
| Net interest income | 1,317,000 | 2,740,000 | 4,311,000 | 6,006,000 |
| Noninterest income | 23,000 | 48,000 | 76,000 | 124,000 |
| Noninterest expense | 1,052,000 | 2,122,000 | 3,157,000 | 4,145,000 |
| Provision for loan losses | 79,000 | 280,000 | 545,000 | 892,000 |
| Pretax income | 209,000 | 386,000 | 685,000 | 1,093,000 |
| Income tax | 0 | 0 | 75,000 | 168,000 |
| Net income | 209,000 | 386,000 | 610,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,490,000 | 23,312,000 | 23,665,000 | 24,684,000 |
| Total capital | 25,095,000 | 24,902,000 | 25,261,000 | 26,466,000 |
| Risk-weighted assets | 128,169,000 | 126,840,000 | 134,919,000 | 141,314,000 |
Machine access — free, no API key
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