Call reports 2002
CAPSTONE BANK — 2002
What CAPSTONE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,770,000 | 60,640,000 | 63,846,000 | 62,827,000 |
| Total loans | 21,376,000 | 21,844,000 | 22,497,000 | 23,324,000 |
| Allowance for loan losses | 352,000 | 353,000 | 333,000 | 333,000 |
| Securities available for sale | 28,296,000 | 24,159,000 | 28,481,000 | 30,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,355,000 | 42,452,000 | 44,670,000 | 42,160,000 |
| Interest-bearing deposits | 35,366,000 | 35,638,000 | 38,069,000 | 36,668,000 |
| Noninterest-bearing deposits | 6,989,000 | 6,814,000 | 6,601,000 | 5,492,000 |
| Equity capital | 8,862,000 | 9,556,000 | 10,220,000 | 10,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,846,000 | 2,746,000 | 3,649,000 |
| Interest expense | 358,000 | 694,000 | 1,029,000 | 1,351,000 |
| Net interest income | 574,000 | 1,152,000 | 1,717,000 | 2,298,000 |
| Noninterest income | 127,000 | 291,000 | 450,000 | 636,000 |
| Noninterest expense | 492,000 | 1,009,000 | 1,510,000 | 2,062,000 |
| Provision for loan losses | 20,000 | 60,000 | 60,000 | 80,000 |
| Pretax income | 204,000 | 446,000 | 686,000 | 1,035,000 |
| Income tax | 24,000 | 24,000 | 36,000 | 97,000 |
| Net income | 180,000 | 422,000 | 650,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,893,000 | 9,145,000 | 9,375,000 | 9,668,000 |
| Total capital | 9,245,000 | 9,498,000 | 9,708,000 | 10,001,000 |
| Risk-weighted assets | 35,099,000 | 35,198,000 | 35,886,000 | 35,921,000 |