Call reports 2013
CAPSTONE BANK — 2013
What CAPSTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 386,517,000 | 399,047,000 | 405,644,000 | 408,035,000 |
| Total loans | 312,232,000 | 316,118,000 | 316,679,000 | 332,718,000 |
| Allowance for loan losses | 3,817,000 | 4,060,000 | 4,276,000 | 4,504,000 |
| Securities available for sale | 32,809,000 | 31,665,000 | 31,617,000 | 31,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,776,000 | 343,427,000 | 348,775,000 | 351,194,000 |
| Interest-bearing deposits | 271,566,000 | 281,189,000 | 283,987,000 | 290,737,000 |
| Noninterest-bearing deposits | 59,210,000 | 62,238,000 | 64,788,000 | 60,458,000 |
| Equity capital | 44,887,000 | 45,160,000 | 46,277,000 | 46,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,375,000 | 8,825,000 | 13,320,000 | 17,880,000 |
| Interest expense | 525,000 | 1,001,000 | 1,481,000 | 1,948,000 |
| Net interest income | 3,850,000 | 7,824,000 | 11,839,000 | 15,932,000 |
| Noninterest income | 717,000 | 1,471,000 | 2,201,000 | 2,796,000 |
| Noninterest expense | 3,008,000 | 5,945,000 | 8,992,000 | 12,056,000 |
| Provision for loan losses | 400,000 | 752,000 | 1,043,000 | 1,268,000 |
| Pretax income | 1,159,000 | 2,598,000 | 4,005,000 | 5,404,000 |
| Income tax | 345,000 | 843,000 | 1,307,000 | 1,769,000 |
| Net income | 814,000 | 1,755,000 | 2,698,000 | 3,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,933,000 | 38,910,000 | 39,891,000 | 40,439,000 |
| Total capital | 41,750,000 | 42,970,000 | 43,991,000 | 44,731,000 |
| Risk-weighted assets | 322,674,000 | 324,990,000 | 327,224,000 | 343,088,000 |