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 | 138,086,000 | 138,403,000 | 146,911,000 | 157,948,000 |
| Total loans | 121,510,000 | 124,630,000 | 128,984,000 | 136,654,000 |
| Allowance for loan losses | 1,508,000 | 1,616,000 | 1,657,000 | 1,743,000 |
| Securities available for sale | 846,000 | 822,000 | 809,000 | 790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 506,000 | 520,000 | 533,000 | 526,000 |
| Total deposits | 121,610,000 | 120,969,000 | 129,000,000 | 138,463,000 |
| Interest-bearing deposits | 95,118,000 | 93,453,000 | 98,092,000 | 108,323,000 |
| Noninterest-bearing deposits | 26,492,000 | 27,516,000 | 30,908,000 | 30,140,000 |
| Equity capital | 12,707,000 | 12,851,000 | 13,057,000 | 13,116,000 |
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 | 1,499,000 | 3,018,000 | 4,608,000 | 6,259,000 |
| Interest expense | 136,000 | 276,000 | 421,000 | 573,000 |
| Net interest income | 1,363,000 | 2,742,000 | 4,187,000 | 5,686,000 |
| Noninterest income | 154,000 | 314,000 | 492,000 | 614,000 |
| Noninterest expense | 950,000 | 1,921,000 | 2,989,000 | 3,950,000 |
| Provision for loan losses | 110,000 | 215,000 | 215,000 | 320,000 |
| Pretax income | 457,000 | 920,000 | 1,475,000 | 2,030,000 |
| Income tax | 169,000 | 342,000 | 551,000 | 764,000 |
| Net income | 288,000 | 578,000 | 924,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,682,000 | 12,832,000 | 13,038,000 | 13,100,000 |
| Total capital | 14,180,000 | 14,402,000 | 14,675,000 | 14,843,000 |
| Risk-weighted assets | 119,829,000 | 125,556,000 | 130,914,000 | 139,536,000 |