Call reports 2018
CORNERSTONE STATE BANK — 2018
What CORNERSTONE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 164,506,000 | 163,376,000 | 166,692,000 | 172,075,000 |
| Total loans | 108,001,000 | 105,311,000 | 106,619,000 | 111,945,000 |
| Allowance for loan losses | 1,471,000 | 1,435,000 | 1,537,000 | 1,470,000 |
| Securities available for sale | 35,141,000 | 39,159,000 | 41,245,000 | 40,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,278,000 | 143,848,000 | 147,339,000 | 152,119,000 |
| Interest-bearing deposits | 130,296,000 | 130,068,000 | 132,383,000 | 135,612,000 |
| Noninterest-bearing deposits | 14,982,000 | 13,780,000 | 14,956,000 | 16,507,000 |
| Equity capital | 17,554,000 | 17,756,000 | 17,950,000 | 18,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,244,000 | 4,942,000 | 6,670,000 |
| Interest expense | 136,000 | 266,000 | 401,000 | 620,000 |
| Net interest income | 1,476,000 | 2,978,000 | 4,541,000 | 6,050,000 |
| Noninterest income | 304,000 | 660,000 | 953,000 | 1,257,000 |
| Noninterest expense | 1,244,000 | 2,457,000 | 3,643,000 | 4,840,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 475,000 | 1,060,000 | 1,670,000 | 2,286,000 |
| Income tax | 9,000 | 10,000 | 10,000 | 10,000 |
| Net income | 466,000 | 1,050,000 | 1,660,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,461,000 | 18,826,000 | 19,268,000 | 19,561,000 |
| Total capital | 19,932,000 | 20,261,000 | 20,804,000 | 21,031,000 |
| Risk-weighted assets | 122,778,000 | 119,831,000 | 122,862,000 | 127,963,000 |