Call reports 2009
CAPSTONE BANK — 2009
What CAPSTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 251,093,000 | 267,319,000 | 280,493,000 | 298,973,000 |
| Total loans | 180,524,000 | 196,880,000 | 216,875,000 | 220,072,000 |
| Allowance for loan losses | 1,734,000 | 1,935,000 | 2,109,000 | 2,643,000 |
| Securities available for sale | 21,350,000 | 22,834,000 | 22,497,000 | 31,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,593,000 | 209,618,000 | 220,926,000 | 241,139,000 |
| Interest-bearing deposits | 170,267,000 | 183,244,000 | 195,087,000 | 218,870,000 |
| Noninterest-bearing deposits | 23,326,000 | 26,374,000 | 25,839,000 | 22,268,000 |
| Equity capital | 37,841,000 | 37,705,000 | 38,130,000 | 37,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,679,000 | 8,970,000 | 12,408,000 |
| Interest expense | 1,084,000 | 2,233,000 | 3,414,000 | 4,542,000 |
| Net interest income | 1,558,000 | 3,446,000 | 5,556,000 | 7,866,000 |
| Noninterest income | 503,000 | 1,017,000 | 1,512,000 | 2,201,000 |
| Noninterest expense | 2,260,000 | 4,717,000 | 7,098,000 | 9,900,000 |
| Provision for loan losses | 150,000 | 375,000 | 600,000 | 1,165,000 |
| Pretax income | -349,000 | -629,000 | -630,000 | -997,000 |
| Income tax | -127,000 | -348,000 | -400,000 | -836,000 |
| Net income | -222,000 | -281,000 | -230,000 | -161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,913,000 | 31,673,000 | 31,547,000 | 31,650,000 |
| Total capital | 32,647,000 | 33,608,000 | 33,656,000 | 34,293,000 |
| Risk-weighted assets | 189,792,000 | 204,948,000 | 224,625,000 | 230,496,000 |