Call reports 2019
CORNERSTONE STATE BANK — 2019
What CORNERSTONE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 170,715,000 | 170,748,000 | 171,878,000 | 174,136,000 |
| Total loans | 111,610,000 | 112,060,000 | 108,127,000 | 109,751,000 |
| Allowance for loan losses | 1,538,000 | 1,533,000 | 1,537,000 | 1,348,000 |
| Securities available for sale | 39,861,000 | 39,249,000 | 41,506,000 | 42,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,791,000 | 149,370,000 | 150,006,000 | 152,335,000 |
| Interest-bearing deposits | 132,482,000 | 133,487,000 | 135,523,000 | 138,567,000 |
| Noninterest-bearing deposits | 17,309,000 | 15,882,000 | 14,483,000 | 13,768,000 |
| Equity capital | 19,631,000 | 20,083,000 | 20,414,000 | 20,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,463,000 | 5,204,000 | 6,891,000 |
| Interest expense | 209,000 | 440,000 | 686,000 | 956,000 |
| Net interest income | 1,524,000 | 3,023,000 | 4,518,000 | 5,935,000 |
| Noninterest income | 340,000 | 592,000 | 1,022,000 | 1,475,000 |
| Noninterest expense | 1,192,000 | 2,444,000 | 3,760,000 | 4,900,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 620,000 |
| Pretax income | 612,000 | 1,051,000 | 1,660,000 | 1,890,000 |
| Income tax | 10,000 | 10,000 | 10,000 | 11,000 |
| Net income | 602,000 | 1,041,000 | 1,650,000 | 1,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,676,000 | 19,622,000 | 19,999,000 | 20,156,000 |
| Total capital | 21,167,000 | 21,123,000 | 21,469,000 | 21,504,000 |
| Risk-weighted assets | 119,250,000 | 120,080,000 | 117,533,000 | 121,065,000 |