Call reports 2013
CAPSTONE BANK — 2013
What CAPSTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 370,581,000 | 375,277,000 | 376,471,000 | 381,604,000 |
| Total loans | 287,140,000 | 292,903,000 | 292,118,000 | 298,246,000 |
| Allowance for loan losses | 3,887,000 | 3,620,000 | 3,534,000 | 3,343,000 |
| Securities available for sale | 44,679,000 | 41,481,000 | 46,337,000 | 47,285,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,047,000 | 278,353,000 | 281,288,000 | 279,672,000 |
| Interest-bearing deposits | 240,031,000 | 235,276,000 | 233,672,000 | 234,395,000 |
| Noninterest-bearing deposits | 46,016,000 | 43,077,000 | 47,616,000 | 45,277,000 |
| Equity capital | 42,635,000 | 43,058,000 | 44,232,000 | 45,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,570,000 | 7,734,000 | 11,976,000 | 16,158,000 |
| Interest expense | 324,000 | 713,000 | 1,099,000 | 1,504,000 |
| Net interest income | 3,246,000 | 7,021,000 | 10,877,000 | 14,654,000 |
| Noninterest income | 5,000,000 | 5,263,000 | 5,452,000 | 5,507,000 |
| Noninterest expense | 2,518,000 | 4,702,000 | 6,783,000 | 8,942,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 5,578,000 | 7,332,000 | 9,296,000 | 10,969,000 |
| Income tax | 273,000 | 890,000 | 1,502,000 | 2,213,000 |
| Net income | 5,305,000 | 6,442,000 | 7,794,000 | 8,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,159,000 | 40,349,000 | 42,121,000 | 43,981,000 |
| Total capital | 42,785,000 | 43,969,000 | 45,655,000 | 47,324,000 |
| Risk-weighted assets | 289,796,000 | 302,186,000 | 304,078,000 | 309,942,000 |