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 | 49,811,000 | 54,400,000 | 58,201,000 | 63,540,000 |
| Total loans | 31,536,000 | 37,916,000 | 43,716,000 | 46,885,000 |
| Allowance for loan losses | 392,000 | 467,000 | 545,000 | 610,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,800,000 | 4,800,000 | 2,500,000 | 5,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,983,000 | 46,685,000 | 50,416,000 | 55,585,000 |
| Interest-bearing deposits | 39,410,000 | 43,249,000 | 46,431,000 | 51,413,000 |
| Noninterest-bearing deposits | 2,573,000 | 3,436,000 | 3,985,000 | 4,172,000 |
| Equity capital | 7,643,000 | 7,563,000 | 7,601,000 | 7,688,000 |
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 | 501,000 | 1,084,000 | 1,763,000 | 2,523,000 |
| Interest expense | 189,000 | 411,000 | 642,000 | 876,000 |
| Net interest income | 312,000 | 673,000 | 1,121,000 | 1,647,000 |
| Noninterest income | 21,000 | 76,000 | 145,000 | 229,000 |
| Noninterest expense | 429,000 | 882,000 | 1,315,000 | 1,800,000 |
| Provision for loan losses | 59,000 | 134,000 | 212,000 | 282,000 |
| Pretax income | -155,000 | -267,000 | -261,000 | -206,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -155,000 | -267,000 | -261,000 | -206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,643,000 | 7,563,000 | 7,601,000 | 7,688,000 |
| Total capital | 8,032,000 | 8,030,000 | 8,146,000 | 8,285,000 |
| Risk-weighted assets | 31,119,000 | 38,083,000 | 43,924,000 | 47,706,000 |
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