Call reports 2007
CORNERSTONE COMMUNITY BANK — 2007
What CORNERSTONE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 388,365,000 | 418,347,000 | 430,221,000 | 439,356,000 |
| Total loans | 331,777,000 | 353,805,000 | 372,150,000 | 381,758,000 |
| Allowance for loan losses | 3,897,000 | 4,040,000 | 6,659,000 | 13,586,000 |
| Securities available for sale | 32,779,000 | 33,027,000 | 33,649,000 | 34,752,000 |
| Securities held to maturity | 229,000 | 220,000 | 209,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,501,000 | 297,804,000 | 335,363,000 | 313,704,000 |
| Interest-bearing deposits | 251,337,000 | 252,023,000 | 287,510,000 | 267,965,000 |
| Noninterest-bearing deposits | 44,164,000 | 45,781,000 | 47,853,000 | 45,739,000 |
| Equity capital | 33,238,000 | 34,714,000 | 35,545,000 | 31,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,791,000 | 16,283,000 | 25,146,000 | 33,849,000 |
| Interest expense | 3,119,000 | 6,586,000 | 10,370,000 | 14,389,000 |
| Net interest income | 4,672,000 | 9,697,000 | 14,776,000 | 19,460,000 |
| Noninterest income | 375,000 | 799,000 | 1,230,000 | 1,691,000 |
| Noninterest expense | 2,514,000 | 5,232,000 | 7,424,000 | 9,819,000 |
| Provision for loan losses | 0 | 200,000 | 2,878,000 | 9,979,000 |
| Pretax income | 2,533,000 | 5,064,000 | 5,704,000 | 1,353,000 |
| Income tax | 930,000 | 1,861,000 | 1,880,000 | 219,000 |
| Net income | 1,603,000 | 3,203,000 | 3,824,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,284,000 | 34,882,000 | 35,505,000 | 31,635,000 |
| Total capital | 37,281,000 | 39,022,000 | 40,413,000 | 36,651,000 |
| Risk-weighted assets | 348,007,000 | 373,091,000 | 390,755,000 | 392,607,000 |
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