Call reports 2010
CAPSTONE BANK — 2010
What CAPSTONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 314,236,000 | 333,272,000 | 344,799,000 | 356,910,000 |
| Total loans | 231,645,000 | 250,485,000 | 271,606,000 | 288,222,000 |
| Allowance for loan losses | 2,663,000 | 2,947,000 | 3,030,000 | 3,122,000 |
| Securities available for sale | 31,075,000 | 30,165,000 | 19,481,000 | 18,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,632,000 | 277,651,000 | 288,394,000 | 301,170,000 |
| Interest-bearing deposits | 237,216,000 | 251,196,000 | 259,937,000 | 275,634,000 |
| Noninterest-bearing deposits | 25,415,000 | 26,455,000 | 28,457,000 | 25,536,000 |
| Equity capital | 38,212,000 | 38,664,000 | 39,170,000 | 38,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,579,000 | 7,511,000 | 11,727,000 | 16,101,000 |
| Interest expense | 1,132,000 | 2,366,000 | 3,633,000 | 4,832,000 |
| Net interest income | 2,447,000 | 5,145,000 | 8,094,000 | 11,269,000 |
| Noninterest income | 565,000 | 1,248,000 | 2,001,000 | 2,729,000 |
| Noninterest expense | 2,759,000 | 5,604,000 | 8,668,000 | 11,509,000 |
| Provision for loan losses | 191,000 | 498,000 | 689,000 | 1,643,000 |
| Pretax income | 62,000 | 303,000 | 750,000 | 1,016,000 |
| Income tax | -31,000 | 1,000 | 88,000 | 114,000 |
| Net income | 93,000 | 302,000 | 662,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,778,000 | 32,022,000 | 32,416,000 | 32,693,000 |
| Total capital | 34,441,000 | 34,969,000 | 35,446,000 | 35,815,000 |
| Risk-weighted assets | 244,335,000 | 264,424,000 | 282,833,000 | 297,549,000 |