Call reports 2013
CORNERSTONE BANK — 2013
What CORNERSTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 92,052,000 | 95,450,000 | 101,054,000 | 103,583,000 |
| Total loans | 72,993,000 | 73,924,000 | 74,569,000 | 74,095,000 |
| Allowance for loan losses | 1,036,000 | 1,061,000 | 1,047,000 | 1,022,000 |
| Securities available for sale | 0 | 0 | 6,000,000 | 8,000,000 |
| Securities held to maturity | 6,000,000 | 7,250,000 | 4,250,000 | 4,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,367,000 | 85,687,000 | 91,060,000 | 93,081,000 |
| Interest-bearing deposits | 72,564,000 | 74,772,000 | 78,005,000 | 80,036,000 |
| Noninterest-bearing deposits | 9,803,000 | 10,915,000 | 13,055,000 | 13,045,000 |
| Equity capital | 9,419,000 | 9,574,000 | 9,768,000 | 9,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,090,000 | 2,236,000 | 3,359,000 | 4,487,000 |
| Interest expense | 204,000 | 408,000 | 615,000 | 809,000 |
| Net interest income | 886,000 | 1,828,000 | 2,744,000 | 3,678,000 |
| Noninterest income | 122,000 | 231,000 | 369,000 | 498,000 |
| Noninterest expense | 723,000 | 1,491,000 | 2,257,000 | 3,030,000 |
| Provision for loan losses | 32,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 253,000 | 493,000 | 781,000 | 1,071,000 |
| Income tax | 86,000 | 171,000 | 265,000 | 356,000 |
| Net income | 167,000 | 322,000 | 516,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,419,000 | 9,574,000 | 9,768,000 | 9,982,000 |
| Total capital | 10,302,000 | 10,471,000 | 10,681,000 | 10,915,000 |
| Risk-weighted assets | 70,454,000 | 71,618,000 | 72,915,000 | 74,571,000 |
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