Call reports 2014
CORNERSTONE BANK — 2014
What CORNERSTONE 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 | 159,773,000 | 160,777,000 | 163,018,000 | 168,373,000 |
| Total loans | 102,514,000 | 103,894,000 | 106,260,000 | 109,653,000 |
| Allowance for loan losses | 4,800,000 | 4,828,000 | 4,890,000 | 4,158,000 |
| Securities available for sale | 33,366,000 | 27,949,000 | 29,273,000 | 29,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,611,000 | 104,220,000 | 111,596,000 | 127,522,000 |
| Interest-bearing deposits | 75,207,000 | 78,296,000 | 87,253,000 | 96,047,000 |
| Noninterest-bearing deposits | 23,404,000 | 25,924,000 | 24,343,000 | 31,475,000 |
| Equity capital | 14,166,000 | 14,857,000 | 14,591,000 | 14,654,000 |
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 | 1,428,000 | 3,411,000 | 4,941,000 | 6,521,000 |
| Interest expense | 682,000 | 1,404,000 | 2,106,000 | 3,065,000 |
| Net interest income | 746,000 | 2,007,000 | 2,835,000 | 3,456,000 |
| Noninterest income | 326,000 | 790,000 | 870,000 | 1,067,000 |
| Noninterest expense | 1,199,000 | 2,384,000 | 3,554,000 | 5,151,000 |
| Provision for loan losses | 0 | 0 | 0 | -750,000 |
| Pretax income | -127,000 | 399,000 | 165,000 | 141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -127,000 | 399,000 | 165,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,492,000 | 15,018,000 | 14,783,000 | 14,760,000 |
| Total capital | 16,229,000 | 16,830,000 | 16,622,000 | 16,658,000 |
| Risk-weighted assets | 135,860,000 | 141,952,000 | 144,106,000 | 149,596,000 |
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