Call reports 2010
CORNERSTONE BANK, INC. — 2010
What CORNERSTONE BANK, INC. 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 | 84,009,000 | 83,860,000 | 89,000,000 | 90,019,000 |
| Total loans | 34,115,000 | 33,990,000 | 33,263,000 | 32,337,000 |
| Allowance for loan losses | 274,000 | 271,000 | 286,000 | 313,000 |
| Securities available for sale | 36,670,000 | 36,335,000 | 39,139,000 | 43,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,613,000 | 70,017,000 | 74,431,000 | 76,614,000 |
| Interest-bearing deposits | 53,458,000 | 54,067,000 | 56,711,000 | 55,862,000 |
| Noninterest-bearing deposits | 17,155,000 | 15,950,000 | 17,720,000 | 20,752,000 |
| Equity capital | 12,814,000 | 13,208,000 | 13,741,000 | 12,799,000 |
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 | 959,000 | 1,913,000 | 2,835,000 | 3,694,000 |
| Interest expense | 300,000 | 587,000 | 903,000 | 1,175,000 |
| Net interest income | 659,000 | 1,326,000 | 1,932,000 | 2,519,000 |
| Noninterest income | 64,000 | 135,000 | 217,000 | 286,000 |
| Noninterest expense | 506,000 | 966,000 | 1,465,000 | 1,956,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 395,000 |
| Pretax income | 217,000 | 508,000 | 682,000 | 467,000 |
| Income tax | 30,000 | 77,000 | 47,000 | -38,000 |
| Net income | 187,000 | 431,000 | 635,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,642,000 | 12,886,000 | 13,090,000 | 12,835,000 |
| Total capital | 12,916,000 | 13,157,000 | 13,376,000 | 13,148,000 |
| Risk-weighted assets | 43,167,000 | 44,716,000 | 45,730,000 | 45,374,000 |
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