Call reports 2011
CORNERSTONE COMMUNITY BANK — 2011
What CORNERSTONE COMMUNITY BANK 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 | 447,067,000 | 440,274,000 | 425,054,000 | 423,088,000 |
| Total loans | 273,750,000 | 270,171,000 | 270,401,000 | 267,765,000 |
| Allowance for loan losses | 7,914,000 | 6,814,000 | 6,864,000 | 7,398,000 |
| Securities available for sale | 100,788,000 | 109,331,000 | 93,666,000 | 86,057,000 |
| Securities held to maturity | 92,000 | 82,000 | 76,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,145,000 | 337,273,000 | 326,991,000 | 317,462,000 |
| Interest-bearing deposits | 303,957,000 | 292,566,000 | 282,436,000 | 270,052,000 |
| Noninterest-bearing deposits | 35,188,000 | 44,708,000 | 44,555,000 | 47,410,000 |
| Equity capital | 28,665,000 | 29,475,000 | 30,588,000 | 35,309,000 |
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 | 5,218,000 | 10,377,000 | 15,493,000 | 20,493,000 |
| Interest expense | 1,687,000 | 3,317,000 | 4,776,000 | 6,143,000 |
| Net interest income | 3,531,000 | 7,060,000 | 10,717,000 | 14,350,000 |
| Noninterest income | 71,000 | -125,000 | 190,000 | 307,000 |
| Noninterest expense | 3,138,000 | 6,197,000 | 9,246,000 | 12,522,000 |
| Provision for loan losses | 15,000 | 30,000 | 145,000 | 445,000 |
| Pretax income | 449,000 | 756,000 | 1,623,000 | 1,797,000 |
| Income tax | 106,000 | 151,000 | 414,000 | 410,000 |
| Net income | 343,000 | 605,000 | 1,209,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,788,000 | 27,110,000 | 28,071,000 | 33,536,000 |
| Total capital | 30,426,000 | 30,760,000 | 31,670,000 | 37,158,000 |
| Risk-weighted assets | 290,981,000 | 288,824,000 | 284,673,000 | 285,944,000 |
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