Call reports 2016
CAPSTONE BANK — 2016
What CAPSTONE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 469,163,000 | 469,886,000 | 474,562,000 | 487,113,000 |
| Total loans | 382,158,000 | 392,035,000 | 397,413,000 | 409,028,000 |
| Allowance for loan losses | 4,137,000 | 4,359,000 | 4,048,000 | 4,145,000 |
| Securities available for sale | 37,845,000 | 40,103,000 | 40,667,000 | 43,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,182,000 | 405,028,000 | 398,540,000 | 416,478,000 |
| Interest-bearing deposits | 322,358,000 | 318,627,000 | 313,399,000 | 332,226,000 |
| Noninterest-bearing deposits | 82,824,000 | 86,401,000 | 85,141,000 | 84,252,000 |
| Equity capital | 54,091,000 | 55,103,000 | 56,234,000 | 55,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,554,000 | 9,184,000 | 13,901,000 | 18,702,000 |
| Interest expense | 549,000 | 1,104,000 | 1,686,000 | 2,301,000 |
| Net interest income | 4,005,000 | 8,080,000 | 12,215,000 | 16,401,000 |
| Noninterest income | 548,000 | 1,223,000 | 2,055,000 | 2,722,000 |
| Noninterest expense | 3,205,000 | 6,363,000 | 9,547,000 | 12,603,000 |
| Provision for loan losses | 255,000 | 520,000 | 785,000 | 1,050,000 |
| Pretax income | 1,093,000 | 2,420,000 | 3,995,000 | 5,527,000 |
| Income tax | 353,000 | 782,000 | 1,291,000 | 1,806,000 |
| Net income | 740,000 | 1,638,000 | 2,704,000 | 3,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,162,000 | 49,077,000 | 50,159,000 | 50,584,000 |
| Total capital | 52,299,000 | 53,436,000 | 54,207,000 | 54,729,000 |
| Risk-weighted assets | 389,183,000 | 399,361,000 | 402,283,000 | 414,963,000 |