Call reports 2015
CORNERSTONE COMMUNITY BANK — 2015
What CORNERSTONE COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 425,475,000 | 434,855,000 | 437,830,000 | 440,309,000 |
| Total loans | 296,033,000 | 309,850,000 | 313,070,000 | 319,917,000 |
| Allowance for loan losses | 3,657,000 | 3,579,000 | 15,000 | 560,000 |
| Securities available for sale | 85,093,000 | 74,482,000 | 71,105,000 | 68,869,000 |
| Securities held to maturity | 24,000 | 22,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,576,000 | 331,873,000 | 344,052,000 | 348,767,000 |
| Interest-bearing deposits | 276,577,000 | 278,094,000 | 291,888,000 | 293,187,000 |
| Noninterest-bearing deposits | 56,999,000 | 53,779,000 | 52,164,000 | 55,580,000 |
| Equity capital | 40,163,000 | 39,789,000 | 39,675,000 | 40,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,550,000 | 9,133,000 | 1,841,000 | 7,259,000 |
| Interest expense | 593,000 | 1,199,000 | 108,000 | 461,000 |
| Net interest income | 3,957,000 | 7,934,000 | 1,733,000 | 6,798,000 |
| Noninterest income | 441,000 | 321,000 | 96,000 | 773,000 |
| Noninterest expense | 3,017,000 | 6,091,000 | 1,132,000 | 4,344,000 |
| Provision for loan losses | 262,000 | 262,000 | 0 | 565,000 |
| Pretax income | 1,119,000 | 2,015,000 | 697,000 | 2,662,000 |
| Income tax | 428,000 | 771,000 | 266,000 | 1,030,000 |
| Net income | 691,000 | 1,244,000 | 431,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,814,000 | 39,688,000 | 38,463,000 | 39,717,000 |
| Total capital | 43,471,000 | 43,267,000 | 38,478,000 | 40,277,000 |
| Risk-weighted assets | 348,082,000 | 350,216,000 | 354,028,000 | 344,490,000 |