Call reports 2015
CORNERSTONE BANK — 2015
What CORNERSTONE 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 | 165,010,000 | 165,807,000 | 167,125,000 | 163,454,000 |
| Total loans | 110,442,000 | 112,994,000 | 118,328,000 | 122,345,000 |
| Allowance for loan losses | 3,632,000 | 2,661,000 | 2,518,000 | 2,538,000 |
| Securities available for sale | 26,113,000 | 23,732,000 | 23,324,000 | 20,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,170,000 | 123,052,000 | 122,260,000 | 123,154,000 |
| Interest-bearing deposits | 98,324,000 | 93,604,000 | 92,484,000 | 90,197,000 |
| Noninterest-bearing deposits | 26,846,000 | 29,448,000 | 29,776,000 | 32,957,000 |
| Equity capital | 14,951,000 | 15,583,000 | 16,140,000 | 15,726,000 |
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 | 1,602,000 | 3,191,000 | 4,854,000 | 6,557,000 |
| Interest expense | 372,000 | 736,000 | 1,219,000 | 1,797,000 |
| Net interest income | 1,230,000 | 2,455,000 | 3,635,000 | 4,760,000 |
| Noninterest income | -113,000 | -325,000 | 249,000 | 78,000 |
| Noninterest expense | 1,124,000 | 2,397,000 | 3,705,000 | 4,895,000 |
| Provision for loan losses | 0 | -1,000,000 | -1,000,000 | -1,000,000 |
| Pretax income | -1,000 | 741,000 | 1,191,000 | 961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,000 | 741,000 | 1,191,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,759,000 | 15,501,000 | 15,951,000 | 15,721,000 |
| Total capital | 16,668,000 | 17,312,000 | 17,827,000 | 17,565,000 |
| Risk-weighted assets | 151,013,000 | 144,031,000 | 149,455,000 | 146,842,000 |