Call reports 2015
CORNERSTONE STATE BANK — 2015
What CORNERSTONE STATE 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 | 137,366,000 | 138,388,000 | 136,577,000 | 142,782,000 |
| Total loans | 89,682,000 | 86,468,000 | 86,036,000 | 89,965,000 |
| Allowance for loan losses | 1,366,000 | 1,453,000 | 1,421,000 | 1,437,000 |
| Securities available for sale | 33,691,000 | 32,724,000 | 34,320,000 | 33,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,042,000 | 122,938,000 | 121,279,000 | 127,225,000 |
| Interest-bearing deposits | 105,777,000 | 98,143,000 | 106,436,000 | 109,575,000 |
| Noninterest-bearing deposits | 15,265,000 | 24,795,000 | 14,843,000 | 17,650,000 |
| Equity capital | 14,055,000 | 14,079,000 | 14,081,000 | 14,248,000 |
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 | 1,345,000 | 2,733,000 | 4,085,000 | 5,473,000 |
| Interest expense | 129,000 | 269,000 | 414,000 | 557,000 |
| Net interest income | 1,216,000 | 2,464,000 | 3,671,000 | 4,916,000 |
| Noninterest income | 200,000 | 391,000 | 620,000 | 813,000 |
| Noninterest expense | 913,000 | 1,891,000 | 2,866,000 | 3,904,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 443,000 | 844,000 | 1,245,000 | 1,645,000 |
| Income tax | -93,000 | -109,000 | -109,000 | -109,000 |
| Net income | 536,000 | 953,000 | 1,354,000 | 1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,616,000 | 13,789,000 | 13,593,000 | 14,000,000 |
| Total capital | 14,982,000 | 15,184,000 | 14,987,000 | 15,407,000 |
| Risk-weighted assets | 113,261,000 | 111,536,000 | 111,490,000 | 112,564,000 |