Call reports 2010
CAPSTONE BANK — 2010
What CAPSTONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 193,679,000 | 199,802,000 | 194,898,000 | 197,178,000 |
| Total loans | 130,822,000 | 129,571,000 | 130,778,000 | 136,414,000 |
| Allowance for loan losses | 2,611,000 | 2,326,000 | 2,617,000 | 3,023,000 |
| Securities available for sale | 25,778,000 | 24,686,000 | 25,294,000 | 25,667,000 |
| Securities held to maturity | 0 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,238,000 | 142,309,000 | 124,835,000 | 126,166,000 |
| Interest-bearing deposits | 119,183,000 | 120,324,000 | 112,307,000 | 113,804,000 |
| Noninterest-bearing deposits | 11,055,000 | 21,985,000 | 12,528,000 | 12,362,000 |
| Equity capital | 25,689,000 | 26,221,000 | 26,765,000 | 26,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,316,000 | 4,661,000 | 7,039,000 | 9,487,000 |
| Interest expense | 594,000 | 1,166,000 | 1,668,000 | 2,127,000 |
| Net interest income | 1,722,000 | 3,495,000 | 5,371,000 | 7,360,000 |
| Noninterest income | 56,000 | 110,000 | 142,000 | -17,000 |
| Noninterest expense | 1,059,000 | 2,031,000 | 3,080,000 | 4,197,000 |
| Provision for loan losses | 189,000 | 487,000 | 778,000 | 1,349,000 |
| Pretax income | 530,000 | 1,087,000 | 1,655,000 | 1,797,000 |
| Income tax | 170,000 | 343,000 | 527,000 | 564,000 |
| Net income | 360,000 | 744,000 | 1,128,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,071,000 | 24,862,000 | 25,276,000 | 25,456,000 |
| Total capital | 26,846,000 | 26,655,000 | 27,017,000 | 27,239,000 |
| Risk-weighted assets | 141,737,000 | 143,643,000 | 137,903,000 | 141,384,000 |
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