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 | 125,941,000 | 124,149,000 | 123,648,000 | 126,268,000 |
| Total loans | 111,708,000 | 110,593,000 | 107,610,000 | 108,254,000 |
| Allowance for loan losses | 1,299,000 | 1,456,000 | 1,539,000 | 1,549,000 |
| Securities available for sale | 873,000 | 872,000 | 871,000 | 60,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 419,000 | 381,000 | 397,000 | 435,000 |
| Total deposits | 104,420,000 | 102,608,000 | 101,902,000 | 104,485,000 |
| Interest-bearing deposits | 92,054,000 | 89,453,000 | 86,820,000 | 90,218,000 |
| Noninterest-bearing deposits | 12,366,000 | 13,155,000 | 15,082,000 | 14,267,000 |
| Equity capital | 10,528,000 | 10,567,000 | 10,750,000 | 10,807,000 |
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 | 1,648,000 | 3,280,000 | 4,968,000 | 6,616,000 |
| Interest expense | 556,000 | 1,089,000 | 1,576,000 | 2,034,000 |
| Net interest income | 1,092,000 | 2,191,000 | 3,392,000 | 4,582,000 |
| Noninterest income | 193,000 | 348,000 | 628,000 | 966,000 |
| Noninterest expense | 872,000 | 1,688,000 | 2,541,000 | 3,633,000 |
| Provision for loan losses | 163,000 | 313,000 | 463,000 | 673,000 |
| Pretax income | 250,000 | 538,000 | 1,016,000 | 1,242,000 |
| Income tax | 85,000 | 184,000 | 359,000 | 438,000 |
| Net income | 165,000 | 354,000 | 657,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,528,000 | 10,567,000 | 10,750,000 | 10,807,000 |
| Total capital | 11,827,000 | 11,911,000 | 12,065,000 | 12,123,000 |
| Risk-weighted assets | 109,508,000 | 107,408,000 | 104,961,000 | 105,668,000 |
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