Call reports 2001
CAPSTONE BANK — 2001
What CAPSTONE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 60,527,000 | 62,651,000 | 60,454,000 | 59,166,000 |
| Total loans | 23,525,000 | 23,601,000 | 22,739,000 | 22,176,000 |
| Allowance for loan losses | 391,000 | 371,000 | 384,000 | 371,000 |
| Securities available for sale | 24,196,000 | 25,980,000 | 25,660,000 | 28,528,000 |
| Securities held to maturity | 2,409,000 | 2,415,000 | 2,410,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,199,000 | 45,176,000 | 42,620,000 | 41,692,000 |
| Interest-bearing deposits | 37,088,000 | 37,801,000 | 35,791,000 | 35,314,000 |
| Noninterest-bearing deposits | 6,111,000 | 7,375,000 | 6,829,000 | 6,378,000 |
| Equity capital | 8,586,000 | 8,741,000 | 9,056,000 | 8,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,157,000 | 3,217,000 | 4,207,000 |
| Interest expense | 488,000 | 984,000 | 1,450,000 | 1,857,000 |
| Net interest income | 579,000 | 1,173,000 | 1,767,000 | 2,350,000 |
| Noninterest income | 135,000 | 270,000 | 413,000 | 527,000 |
| Noninterest expense | 440,000 | 893,000 | 1,358,000 | 1,892,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 240,000 | 493,000 | 796,000 | 1,012,000 |
| Income tax | 30,000 | 58,000 | 90,000 | 123,000 |
| Net income | 210,000 | 435,000 | 706,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,136,000 | 8,363,000 | 8,646,000 | 8,830,000 |
| Total capital | 8,527,000 | 8,734,000 | 9,030,000 | 9,201,000 |
| Risk-weighted assets | 35,377,000 | 36,005,000 | 35,199,000 | 34,998,000 |