Call reports 2003
CAPSTONE BANK — 2003
What CAPSTONE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,967,000 | 66,749,000 | 66,691,000 | 62,857,000 |
| Total loans | 22,644,000 | 22,790,000 | 22,363,000 | 20,423,000 |
| Allowance for loan losses | 308,000 | 305,000 | 299,000 | 293,000 |
| Securities available for sale | 31,534,000 | 32,064,000 | 32,099,000 | 33,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,116,000 | 45,177,000 | 45,644,000 | 41,645,000 |
| Interest-bearing deposits | 38,621,000 | 37,551,000 | 38,394,000 | 35,697,000 |
| Noninterest-bearing deposits | 7,495,000 | 7,626,000 | 7,250,000 | 5,948,000 |
| Equity capital | 10,504,000 | 10,962,000 | 10,669,000 | 10,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,781,000 | 2,682,000 | 3,551,000 |
| Interest expense | 301,000 | 595,000 | 872,000 | 1,130,000 |
| Net interest income | 580,000 | 1,186,000 | 1,810,000 | 2,421,000 |
| Noninterest income | 184,000 | 323,000 | 491,000 | 637,000 |
| Noninterest expense | 535,000 | 1,055,000 | 1,582,000 | 2,150,000 |
| Provision for loan losses | 20,000 | 30,000 | 40,000 | 50,000 |
| Pretax income | 392,000 | 608,000 | 860,000 | 1,038,000 |
| Income tax | 25,000 | 53,000 | 100,000 | 180,000 |
| Net income | 367,000 | 555,000 | 760,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,916,000 | 10,104,000 | 10,311,000 | 10,410,000 |
| Total capital | 10,224,000 | 10,409,000 | 10,610,000 | 10,703,000 |
| Risk-weighted assets | 35,422,000 | 35,290,000 | 35,123,000 | 33,115,000 |