Call reports 2021
CORNERSTONE BANK — 2021
What CORNERSTONE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 182,513,000 | 183,379,000 | 187,981,000 | 190,933,000 |
| Total loans | 140,034,000 | 137,189,000 | 136,351,000 | 141,088,000 |
| Allowance for loan losses | 1,667,000 | 1,673,000 | 1,673,000 | 1,727,000 |
| Securities available for sale | 0 | 0 | 0 | 2,164,000 |
| Securities held to maturity | 14,394,000 | 15,396,000 | 21,345,000 | 20,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,852,000 | 165,179,000 | 168,940,000 | 172,081,000 |
| Interest-bearing deposits | 124,543,000 | 121,898,000 | 121,458,000 | 124,417,000 |
| Noninterest-bearing deposits | 40,309,000 | 43,281,000 | 47,482,000 | 47,664,000 |
| Equity capital | 17,254,000 | 17,831,000 | 17,876,000 | 18,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,935,000 | 4,034,000 | 6,203,000 | 8,162,000 |
| Interest expense | 337,000 | 618,000 | 840,000 | 1,028,000 |
| Net interest income | 1,598,000 | 3,416,000 | 5,363,000 | 7,134,000 |
| Noninterest income | 231,000 | 540,000 | 817,000 | 1,043,000 |
| Noninterest expense | 1,394,000 | 2,816,000 | 4,296,000 | 5,673,000 |
| Provision for loan losses | -169,000 | -169,000 | -169,000 | -109,000 |
| Pretax income | 584,000 | 1,309,000 | 2,053,000 | 2,615,000 |
| Income tax | 118,000 | 266,000 | 418,000 | 530,000 |
| Net income | 466,000 | 1,043,000 | 1,635,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,254,000 | 17,831,000 | 17,876,000 | 18,326,000 |
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