Call reports 2011
CORNERSTONE BANK — 2011
What CORNERSTONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 64,939,000 | 65,754,000 | 71,489,000 | 77,941,000 |
| Total loans | 49,637,000 | 56,411,000 | 60,987,000 | 63,547,000 |
| Allowance for loan losses | 679,000 | 778,000 | 854,000 | 896,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,500,000 | 1,000,000 | 1,000,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,981,000 | 57,497,000 | 63,288,000 | 68,973,000 |
| Interest-bearing deposits | 51,896,000 | 51,461,000 | 56,427,000 | 61,710,000 |
| Noninterest-bearing deposits | 5,085,000 | 6,036,000 | 6,861,000 | 7,263,000 |
| Equity capital | 7,718,000 | 7,755,000 | 7,960,000 | 8,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,606,000 | 2,532,000 | 3,513,000 |
| Interest expense | 225,000 | 435,000 | 640,000 | 854,000 |
| Net interest income | 546,000 | 1,171,000 | 1,892,000 | 2,659,000 |
| Noninterest income | 47,000 | 106,000 | 211,000 | 322,000 |
| Noninterest expense | 505,000 | 1,067,000 | 1,626,000 | 2,226,000 |
| Provision for loan losses | 72,000 | 171,000 | 247,000 | 289,000 |
| Pretax income | 16,000 | 39,000 | 230,000 | 466,000 |
| Income tax | 0 | 0 | 0 | -566,000 |
| Net income | 16,000 | 39,000 | 230,000 | 1,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,718,000 | 7,755,000 | 7,960,000 | 8,485,000 |
| Total capital | 8,363,000 | 8,468,000 | 8,714,000 | 9,274,000 |
| Risk-weighted assets | 51,596,000 | 56,956,000 | 60,223,000 | 63,006,000 |
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