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 | 102,753,000 | 106,070,000 | 113,254,000 | 112,849,000 |
| Total loans | 81,518,000 | 87,655,000 | 90,790,000 | 93,837,000 |
| Allowance for loan losses | 1,064,000 | 1,136,000 | 1,092,000 | 1,149,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,250,000 | 3,250,000 | 4,250,000 | 10,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,286,000 | 93,474,000 | 100,327,000 | 99,756,000 |
| Interest-bearing deposits | 78,338,000 | 79,740,000 | 84,522,000 | 83,918,000 |
| Noninterest-bearing deposits | 12,948,000 | 13,734,000 | 15,805,000 | 15,838,000 |
| Equity capital | 11,142,000 | 12,318,000 | 12,582,000 | 12,742,000 |
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 | 1,157,000 | 2,403,000 | 3,755,000 | 5,106,000 |
| Interest expense | 172,000 | 345,000 | 530,000 | 714,000 |
| Net interest income | 985,000 | 2,058,000 | 3,225,000 | 4,392,000 |
| Noninterest income | 91,000 | 197,000 | 2,322,000 | 2,445,000 |
| Noninterest expense | 795,000 | 1,632,000 | 2,473,000 | 3,455,000 |
| Provision for loan losses | 38,000 | 114,000 | 165,000 | 241,000 |
| Pretax income | 243,000 | 509,000 | 2,909,000 | 3,141,000 |
| Income tax | 83,000 | 173,000 | 309,000 | 387,000 |
| Net income | 1,160,000 | 2,336,000 | 2,600,000 | 2,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,142,000 | 12,318,000 | 12,582,000 | 12,742,000 |
| Total capital | 12,133,000 | 13,380,000 | 13,674,000 | 13,859,000 |
| Risk-weighted assets | 79,210,000 | 84,888,000 | 88,125,000 | 89,345,000 |
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