Call reports 2014
CAPSTONE BANK — 2014
What CAPSTONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 411,187,000 | 420,283,000 | 425,942,000 | 431,282,000 |
| Total loans | 338,737,000 | 336,884,000 | 347,717,000 | 358,191,000 |
| Allowance for loan losses | 4,801,000 | 5,058,000 | 5,210,000 | 5,271,000 |
| Securities available for sale | 31,010,000 | 31,939,000 | 32,570,000 | 32,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,720,000 | 362,483,000 | 367,361,000 | 372,016,000 |
| Interest-bearing deposits | 288,681,000 | 295,429,000 | 300,631,000 | 308,969,000 |
| Noninterest-bearing deposits | 65,039,000 | 67,054,000 | 66,730,000 | 63,047,000 |
| Equity capital | 47,553,000 | 48,635,000 | 49,456,000 | 50,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,441,000 | 8,884,000 | 13,330,000 | 17,872,000 |
| Interest expense | 453,000 | 928,000 | 1,438,000 | 1,973,000 |
| Net interest income | 3,988,000 | 7,956,000 | 11,892,000 | 15,899,000 |
| Noninterest income | 594,000 | 1,219,000 | 1,888,000 | 2,491,000 |
| Noninterest expense | 3,033,000 | 6,055,000 | 9,043,000 | 11,962,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 975,000 |
| Pretax income | 1,249,000 | 2,520,000 | 3,837,000 | 5,453,000 |
| Income tax | 421,000 | 849,000 | 1,289,000 | 1,812,000 |
| Net income | 828,000 | 1,671,000 | 2,548,000 | 3,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,304,000 | 42,184,000 | 43,097,000 | 43,716,000 |
| Total capital | 45,678,000 | 46,541,000 | 47,589,000 | 48,226,000 |
| Risk-weighted assets | 349,477,000 | 347,833,000 | 358,636,000 | 360,026,000 |