Call reports 2011
CORNERSTONE BANK, INC. — 2011
What CORNERSTONE BANK, INC. 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 | 97,872,000 | 94,688,000 | 97,987,000 | 94,167,000 |
| Total loans | 31,590,000 | 33,565,000 | 32,204,000 | 32,303,000 |
| Allowance for loan losses | 314,000 | 342,000 | 331,000 | 328,000 |
| Securities available for sale | 50,627,000 | 49,651,000 | 49,346,000 | 49,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,221,000 | 79,892,000 | 82,356,000 | 78,806,000 |
| Interest-bearing deposits | 62,872,000 | 62,797,000 | 61,488,000 | 61,352,000 |
| Noninterest-bearing deposits | 21,349,000 | 17,095,000 | 20,868,000 | 17,454,000 |
| Equity capital | 12,992,000 | 13,934,000 | 14,524,000 | 14,406,000 |
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 | 915,000 | 1,891,000 | 2,835,000 | 3,781,000 |
| Interest expense | 257,000 | 494,000 | 726,000 | 940,000 |
| Net interest income | 658,000 | 1,397,000 | 2,109,000 | 2,841,000 |
| Noninterest income | 49,000 | 126,000 | 160,000 | 217,000 |
| Noninterest expense | 509,000 | 970,000 | 1,489,000 | 2,058,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 198,000 | 553,000 | 780,000 | 1,000,000 |
| Income tax | 12,000 | 65,000 | 85,000 | 36,000 |
| Net income | 186,000 | 488,000 | 695,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,021,000 | 13,323,000 | 13,530,000 | 13,649,000 |
| Total capital | 13,335,000 | 13,665,000 | 13,861,000 | 13,977,000 |
| Risk-weighted assets | 46,202,000 | 46,866,000 | 47,857,000 | 48,472,000 |
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