Call reports 2006
CAPSTONE BANK — 2006
What CAPSTONE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,251,000 | 80,254,000 | 81,710,000 | 77,914,000 |
| Total loans | 15,630,000 | 17,745,000 | 18,341,000 | 16,919,000 |
| Allowance for loan losses | 203,000 | 224,000 | 175,000 | 166,000 |
| Securities available for sale | 53,306,000 | 53,235,000 | 54,476,000 | 53,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,263,000 | 55,084,000 | 53,201,000 | 50,095,000 |
| Interest-bearing deposits | 44,090,000 | 45,269,000 | 43,866,000 | 41,597,000 |
| Noninterest-bearing deposits | 10,173,000 | 9,815,000 | 9,335,000 | 8,498,000 |
| Equity capital | 11,452,000 | 10,953,000 | 12,163,000 | 12,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,046,000 | 2,165,000 | 3,332,000 | 4,473,000 |
| Interest expense | 383,000 | 826,000 | 1,328,000 | 1,818,000 |
| Net interest income | 663,000 | 1,339,000 | 2,004,000 | 2,655,000 |
| Noninterest income | 176,000 | 386,000 | 560,000 | 775,000 |
| Noninterest expense | 568,000 | 1,135,000 | 1,718,000 | 2,328,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 271,000 | 590,000 | 859,000 | 1,118,000 |
| Income tax | 54,000 | 107,000 | 167,000 | 237,000 |
| Net income | 217,000 | 483,000 | 692,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,859,000 | 12,119,000 | 12,335,000 | 12,522,000 |
| Total capital | 12,062,000 | 12,343,000 | 12,510,000 | 12,688,000 |
| Risk-weighted assets | 34,686,000 | 36,590,000 | 36,550,000 | 34,653,000 |