Call reports 2011
CAPSTONE BANK — 2011
What CAPSTONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 361,744,000 | 378,748,000 | 386,587,000 | 382,012,000 |
| Total loans | 288,419,000 | 288,835,000 | 296,165,000 | 299,233,000 |
| Allowance for loan losses | 3,341,000 | 3,193,000 | 3,564,000 | 3,739,000 |
| Securities available for sale | 17,923,000 | 20,749,000 | 31,772,000 | 30,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,586,000 | 321,910,000 | 328,557,000 | 327,383,000 |
| Interest-bearing deposits | 278,092,000 | 288,380,000 | 293,567,000 | 294,586,000 |
| Noninterest-bearing deposits | 27,494,000 | 33,530,000 | 34,990,000 | 32,798,000 |
| Equity capital | 39,272,000 | 39,937,000 | 40,872,000 | 42,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,405,000 | 8,881,000 | 13,494,000 | 18,117,000 |
| Interest expense | 1,154,000 | 2,263,000 | 3,366,000 | 4,443,000 |
| Net interest income | 3,251,000 | 6,618,000 | 10,128,000 | 13,674,000 |
| Noninterest income | 606,000 | 1,229,000 | 2,210,000 | 2,819,000 |
| Noninterest expense | 3,271,000 | 6,340,000 | 9,593,000 | 11,271,000 |
| Provision for loan losses | 225,000 | 585,000 | 969,000 | 1,194,000 |
| Pretax income | 397,000 | 958,000 | 1,812,000 | 4,064,000 |
| Income tax | 78,000 | 220,000 | 430,000 | 1,200,000 |
| Net income | 319,000 | 738,000 | 1,382,000 | 2,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,046,000 | 33,499,000 | 34,179,000 | 35,697,000 |
| Total capital | 36,387,000 | 36,692,000 | 37,743,000 | 39,436,000 |
| Risk-weighted assets | 296,521,000 | 301,835,000 | 302,979,000 | 309,134,000 |