Call reports 2013
CORNERSTONE BANK, INC. — 2013
What CORNERSTONE BANK, INC. 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 | 109,857,000 | 108,561,000 | 113,789,000 | 127,886,000 |
| Total loans | 31,508,000 | 32,439,000 | 33,311,000 | 31,197,000 |
| Allowance for loan losses | 318,000 | 316,000 | 316,000 | 314,000 |
| Securities available for sale | 65,142,000 | 60,909,000 | 59,842,000 | 61,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,055,000 | 93,530,000 | 99,568,000 | 114,275,000 |
| Interest-bearing deposits | 67,695,000 | 67,793,000 | 66,784,000 | 67,431,000 |
| Noninterest-bearing deposits | 25,360,000 | 25,737,000 | 32,784,000 | 46,844,000 |
| Equity capital | 15,516,000 | 14,119,000 | 13,322,000 | 12,706,000 |
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 | 940,000 | 1,905,000 | 2,875,000 | 3,860,000 |
| Interest expense | 165,000 | 323,000 | 477,000 | 624,000 |
| Net interest income | 775,000 | 1,582,000 | 2,398,000 | 3,236,000 |
| Noninterest income | 56,000 | 104,000 | 145,000 | 127,000 |
| Noninterest expense | 628,000 | 1,147,000 | 1,677,000 | 2,217,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 203,000 | 539,000 | 866,000 | 1,146,000 |
| Income tax | 40,000 | 115,000 | 137,000 | 190,000 |
| Net income | 163,000 | 424,000 | 729,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,350,000 | 14,611,000 | 14,917,000 | 14,794,000 |
| Total capital | 14,668,000 | 14,927,000 | 15,234,000 | 15,108,000 |
| Risk-weighted assets | 46,490,000 | 48,007,000 | 51,053,000 | 51,125,000 |
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