Call reports 2014
CORNERSTONE BANK — 2014
What CORNERSTONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 149,191,000 | 150,253,000 | 153,884,000 | 162,618,000 |
| Total loans | 56,505,000 | 55,249,000 | 58,684,000 | 63,571,000 |
| Allowance for loan losses | 843,000 | 837,000 | 834,000 | 829,000 |
| Securities available for sale | 74,277,000 | 74,374,000 | 75,675,000 | 77,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,493,000 | 135,705,000 | 138,978,000 | 148,673,000 |
| Interest-bearing deposits | 106,808,000 | 107,594,000 | 108,922,000 | 116,540,000 |
| Noninterest-bearing deposits | 28,685,000 | 28,112,000 | 30,056,000 | 32,133,000 |
| Equity capital | 11,339,000 | 11,935,000 | 12,187,000 | 11,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,265,000 | 2,550,000 | 3,861,000 | 5,245,000 |
| Interest expense | 161,000 | 296,000 | 436,000 | 574,000 |
| Net interest income | 1,104,000 | 2,254,000 | 3,425,000 | 4,671,000 |
| Noninterest income | 230,000 | 472,000 | 745,000 | 1,038,000 |
| Noninterest expense | 1,208,000 | 2,290,000 | 3,445,000 | 4,648,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 126,000 | 436,000 | 727,000 | 963,000 |
| Income tax | -22,000 | 25,000 | 64,000 | 47,000 |
| Net income | 148,000 | 411,000 | 663,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,956,000 | 12,220,000 | 12,471,000 | 12,616,000 |
| Total capital | 12,799,000 | 13,057,000 | 13,305,000 | 13,445,000 |
| Risk-weighted assets | 85,173,000 | 83,250,000 | 86,753,000 | 91,594,000 |
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