Call reports 2013
CORNERSTONE COMMUNITY BANK — 2013
What CORNERSTONE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 127,204,000 | 131,472,000 | 132,679,000 | 141,087,000 |
| Total loans | 110,201,000 | 114,936,000 | 116,066,000 | 118,380,000 |
| Allowance for loan losses | 1,407,000 | 1,558,000 | 1,728,000 | 1,820,000 |
| Securities available for sale | 971,000 | 1,067,000 | 1,026,000 | 873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 472,000 | 483,000 | 494,000 | 567,000 |
| Total deposits | 112,955,000 | 111,750,000 | 118,008,000 | 126,422,000 |
| Interest-bearing deposits | 94,297,000 | 92,157,000 | 95,622,000 | 102,577,000 |
| Noninterest-bearing deposits | 18,658,000 | 19,593,000 | 22,386,000 | 23,845,000 |
| Equity capital | 11,807,000 | 11,917,000 | 12,046,000 | 12,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,490,000 | 3,006,000 | 4,563,000 | 6,060,000 |
| Interest expense | 182,000 | 348,000 | 514,000 | 687,000 |
| Net interest income | 1,308,000 | 2,658,000 | 4,049,000 | 5,373,000 |
| Noninterest income | 374,000 | 573,000 | 734,000 | 963,000 |
| Noninterest expense | 932,000 | 1,813,000 | 2,672,000 | 3,645,000 |
| Provision for loan losses | 295,000 | 565,000 | 860,000 | 1,052,000 |
| Pretax income | 455,000 | 853,000 | 1,251,000 | 1,639,000 |
| Income tax | 168,000 | 313,000 | 457,000 | 605,000 |
| Net income | 287,000 | 540,000 | 794,000 | 1,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,759,000 | 11,871,000 | 12,006,000 | 11,942,000 |
| Total capital | 13,124,000 | 13,256,000 | 13,370,000 | 13,385,000 |
| Risk-weighted assets | 108,398,000 | 110,623,000 | 111,098,000 | 115,057,000 |
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