Call reports 2012
CAPSTONE BANK — 2012
What CAPSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 225,463,000 | 236,928,000 | 234,025,000 | 238,197,000 |
| Total loans | 155,340,000 | 163,379,000 | 165,787,000 | 171,948,000 |
| Allowance for loan losses | 4,207,000 | 3,981,000 | 3,898,000 | 3,709,000 |
| Securities available for sale | 43,293,000 | 42,427,000 | 42,063,000 | 38,845,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,670,000 | 175,016,000 | 176,341,000 | 175,513,000 |
| Interest-bearing deposits | 137,507,000 | 151,007,000 | 152,279,000 | 146,854,000 |
| Noninterest-bearing deposits | 23,163,000 | 24,009,000 | 24,062,000 | 28,659,000 |
| Equity capital | 28,286,000 | 29,060,000 | 29,813,000 | 30,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,439,000 | 4,972,000 | 7,651,000 | 10,267,000 |
| Interest expense | 360,000 | 728,000 | 1,095,000 | 1,403,000 |
| Net interest income | 2,079,000 | 4,244,000 | 6,556,000 | 8,864,000 |
| Noninterest income | 17,000 | 47,000 | 95,000 | 15,000 |
| Noninterest expense | 1,203,000 | 2,449,000 | 3,778,000 | 5,271,000 |
| Provision for loan losses | 495,000 | 595,000 | 721,000 | 771,000 |
| Pretax income | 530,000 | 1,378,000 | 2,284,000 | 2,977,000 |
| Income tax | 161,000 | 443,000 | 751,000 | 1,043,000 |
| Net income | 369,000 | 935,000 | 1,533,000 | 1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,186,000 | 27,755,000 | 28,355,000 | 28,759,000 |
| Total capital | 29,183,000 | 29,846,000 | 30,476,000 | 30,983,000 |
| Risk-weighted assets | 157,530,000 | 165,383,000 | 167,924,000 | 176,436,000 |