Call reports 2007
CAPSTONE BANK — 2007
What CAPSTONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,971,000 | 80,649,000 | 82,636,000 | 80,825,000 |
| Total loans | 17,081,000 | 18,104,000 | 17,929,000 | 19,616,000 |
| Allowance for loan losses | 171,000 | 135,000 | 125,000 | 131,000 |
| Securities available for sale | 53,797,000 | 53,870,000 | 55,877,000 | 47,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,345,000 | 55,319,000 | 56,505,000 | 53,909,000 |
| Interest-bearing deposits | 45,216,000 | 44,871,000 | 46,795,000 | 44,814,000 |
| Noninterest-bearing deposits | 10,129,000 | 10,448,000 | 9,710,000 | 9,095,000 |
| Equity capital | 12,193,000 | 12,046,000 | 12,877,000 | 13,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 2,289,000 | 3,477,000 | 4,647,000 |
| Interest expense | 487,000 | 968,000 | 1,460,000 | 1,933,000 |
| Net interest income | 651,000 | 1,321,000 | 2,017,000 | 2,714,000 |
| Noninterest income | 184,000 | 447,000 | 652,000 | 851,000 |
| Noninterest expense | 595,000 | 1,177,000 | 1,755,000 | 2,388,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 240,000 | 591,000 | 935,000 | 1,286,000 |
| Income tax | 54,000 | 107,000 | 170,000 | 278,000 |
| Net income | 186,000 | 484,000 | 765,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,271,000 | 12,563,000 | 12,847,000 | 13,095,000 |
| Total capital | 12,442,000 | 12,698,000 | 12,972,000 | 13,226,000 |
| Risk-weighted assets | 34,933,000 | 36,171,000 | 36,206,000 | 35,991,000 |