Call reports 2004
CAPSTONE BANK — 2004
What CAPSTONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 70,979,000 | 71,643,000 | 75,370,000 | 73,941,000 |
| Total loans | 19,839,000 | 19,492,000 | 19,003,000 | 18,275,000 |
| Allowance for loan losses | 299,000 | 288,000 | 271,000 | 254,000 |
| Securities available for sale | 38,295,000 | 42,175,000 | 42,853,000 | 40,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,065,000 | 47,690,000 | 50,252,000 | 49,896,000 |
| Interest-bearing deposits | 39,131,000 | 39,777,000 | 42,084,000 | 41,546,000 |
| Noninterest-bearing deposits | 7,934,000 | 7,913,000 | 8,168,000 | 8,350,000 |
| Equity capital | 11,290,000 | 10,580,000 | 11,585,000 | 11,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 899,000 | 1,824,000 | 2,797,000 | 3,731,000 |
| Interest expense | 267,000 | 535,000 | 818,000 | 1,103,000 |
| Net interest income | 632,000 | 1,289,000 | 1,979,000 | 2,628,000 |
| Noninterest income | 161,000 | 324,000 | 502,000 | 664,000 |
| Noninterest expense | 532,000 | 1,060,000 | 1,602,000 | 2,174,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 0 |
| Pretax income | 286,000 | 585,000 | 926,000 | 1,194,000 |
| Income tax | 45,000 | 90,000 | 140,000 | 193,000 |
| Net income | 241,000 | 495,000 | 786,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,513,000 | 10,765,000 | 11,064,000 | 11,283,000 |
| Total capital | 10,812,000 | 11,053,000 | 11,335,000 | 11,537,000 |
| Risk-weighted assets | 34,699,000 | 35,561,000 | 35,935,000 | 35,561,000 |