Call reports 2010
CORNERSTONE COMMUNITY BANK — 2010
What CORNERSTONE COMMUNITY BANK 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 | 559,048,000 | 520,557,000 | 480,447,000 | 441,059,000 |
| Total loans | 325,948,000 | 318,796,000 | 292,046,000 | 285,247,000 |
| Allowance for loan losses | 6,760,000 | 6,967,000 | 6,271,000 | 9,132,000 |
| Securities available for sale | 150,521,000 | 129,610,000 | 108,790,000 | 108,250,000 |
| Securities held to maturity | 129,000 | 115,000 | 101,000 | 96,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,218,000 | 401,596,000 | 353,147,000 | 337,709,000 |
| Interest-bearing deposits | 382,354,000 | 352,985,000 | 312,757,000 | 306,467,000 |
| Noninterest-bearing deposits | 47,864,000 | 48,611,000 | 40,390,000 | 31,242,000 |
| Equity capital | 30,647,000 | 31,572,000 | 31,738,000 | 27,974,000 |
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 | 7,103,000 | 13,786,000 | 19,719,000 | 25,166,000 |
| Interest expense | 2,504,000 | 4,919,000 | 7,032,000 | 8,882,000 |
| Net interest income | 4,599,000 | 8,867,000 | 12,687,000 | 16,284,000 |
| Noninterest income | 299,000 | 538,000 | 366,000 | 27,000 |
| Noninterest expense | 3,198,000 | 6,727,000 | 10,353,000 | 13,714,000 |
| Provision for loan losses | 1,015,000 | 2,480,000 | 3,161,000 | 7,291,000 |
| Pretax income | 706,000 | 838,000 | 1,237,000 | -2,996,000 |
| Income tax | 233,000 | 245,000 | 361,000 | -1,258,000 |
| Net income | 473,000 | 593,000 | 876,000 | -1,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,036,000 | 30,489,000 | 30,292,000 | 25,882,000 |
| Total capital | 34,320,000 | 34,660,000 | 34,165,000 | 29,592,000 |
| Risk-weighted assets | 342,720,000 | 330,868,000 | 307,426,000 | 294,175,000 |
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