Call reports 2015
CAPSTONE BANK — 2015
What CAPSTONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 435,266,000 | 439,869,000 | 444,986,000 | 452,047,000 |
| Total loans | 359,853,000 | 364,566,000 | 373,005,000 | 377,506,000 |
| Allowance for loan losses | 5,506,000 | 5,758,000 | 5,665,000 | 4,209,000 |
| Securities available for sale | 33,869,000 | 35,320,000 | 35,448,000 | 35,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,278,000 | 379,630,000 | 380,416,000 | 390,901,000 |
| Interest-bearing deposits | 302,387,000 | 300,329,000 | 300,289,000 | 313,928,000 |
| Noninterest-bearing deposits | 72,890,000 | 79,301,000 | 80,127,000 | 76,973,000 |
| Equity capital | 51,201,000 | 51,857,000 | 52,932,000 | 53,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,503,000 | 8,947,000 | 13,366,000 | 17,878,000 |
| Interest expense | 517,000 | 1,037,000 | 1,558,000 | 2,083,000 |
| Net interest income | 3,986,000 | 7,910,000 | 11,808,000 | 15,795,000 |
| Noninterest income | 578,000 | 1,238,000 | 1,924,000 | 2,521,000 |
| Noninterest expense | 2,976,000 | 5,910,000 | 8,899,000 | 11,872,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 1,338,000 | 2,738,000 | 4,085,000 | 5,446,000 |
| Income tax | 448,000 | 916,000 | 1,367,000 | 1,760,000 |
| Net income | 890,000 | 1,822,000 | 2,718,000 | 3,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,269,000 | 46,216,000 | 47,117,000 | 47,497,000 |
| Total capital | 49,861,000 | 50,851,000 | 51,866,000 | 51,706,000 |
| Risk-weighted assets | 366,455,000 | 369,710,000 | 378,970,000 | 383,569,000 |