Call reports 2010
CORNERSTONE BANK — 2010
What CORNERSTONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 232,424,000 | 213,440,000 | 209,369,000 | 208,561,000 |
| Total loans | 187,141,000 | 178,570,000 | 166,894,000 | 159,785,000 |
| Allowance for loan losses | 7,604,000 | 8,583,000 | 12,026,000 | 9,443,000 |
| Securities available for sale | 24,246,000 | 20,104,000 | 21,762,000 | 22,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,331,000 | 141,442,000 | 140,933,000 | 140,741,000 |
| Interest-bearing deposits | 140,185,000 | 123,345,000 | 122,161,000 | 110,964,000 |
| Noninterest-bearing deposits | 17,146,000 | 18,097,000 | 18,772,000 | 29,777,000 |
| Equity capital | 21,733,000 | 19,747,000 | 15,218,000 | 14,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,964,000 | 5,636,000 | 8,019,000 | 10,411,000 |
| Interest expense | 1,250,000 | 2,388,000 | 3,435,000 | 4,423,000 |
| Net interest income | 1,714,000 | 3,248,000 | 4,584,000 | 5,988,000 |
| Noninterest income | -106,000 | 24,000 | -47,000 | 132,000 |
| Noninterest expense | 1,282,000 | 2,620,000 | 3,994,000 | 5,417,000 |
| Provision for loan losses | 570,000 | 3,020,000 | 7,686,000 | 8,657,000 |
| Pretax income | -228,000 | -2,323,000 | -7,039,000 | -7,459,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -228,000 | -2,323,000 | -7,039,000 | -7,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,434,000 | 19,353,000 | 14,651,000 | 14,944,000 |
| Total capital | 23,768,000 | 21,494,000 | 16,838,000 | 16,995,000 |
| Risk-weighted assets | 181,459,000 | 164,867,000 | 165,156,000 | 156,702,000 |
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