Call reports 2012
CAPSTONE BANK — 2012
What CAPSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 381,551,000 | 376,631,000 | 387,664,000 | 390,582,000 |
| Total loans | 296,647,000 | 296,658,000 | 305,534,000 | 301,423,000 |
| Allowance for loan losses | 3,804,000 | 4,246,000 | 3,945,000 | 3,417,000 |
| Securities available for sale | 28,251,000 | 30,046,000 | 32,060,000 | 31,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,102,000 | 320,467,000 | 331,460,000 | 333,813,000 |
| Interest-bearing deposits | 278,451,000 | 270,748,000 | 272,145,000 | 272,009,000 |
| Noninterest-bearing deposits | 47,651,000 | 49,719,000 | 59,315,000 | 61,804,000 |
| Equity capital | 43,083,000 | 43,921,000 | 44,883,000 | 45,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,513,000 | 9,011,000 | 13,522,000 | 18,033,000 |
| Interest expense | 835,000 | 1,558,000 | 2,232,000 | 2,811,000 |
| Net interest income | 3,678,000 | 7,453,000 | 11,290,000 | 15,222,000 |
| Noninterest income | 661,000 | 1,318,000 | 2,173,000 | 2,896,000 |
| Noninterest expense | 3,005,000 | 6,023,000 | 9,279,000 | 13,072,000 |
| Provision for loan losses | 238,000 | 711,000 | 1,021,000 | 1,366,000 |
| Pretax income | 1,099,000 | 2,040,000 | 3,166,000 | 3,684,000 |
| Income tax | 343,000 | 621,000 | 965,000 | 1,088,000 |
| Net income | 756,000 | 1,419,000 | 2,201,000 | 2,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,487,000 | 37,186,000 | 38,002,000 | 38,081,000 |
| Total capital | 40,291,000 | 41,053,000 | 41,947,000 | 41,498,000 |
| Risk-weighted assets | 305,263,000 | 308,969,000 | 317,874,000 | 311,915,000 |