Call reports 2013
CORNERSTONE COMMUNITY BANK — 2013
What CORNERSTONE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 115,342,000 | 118,279,000 | 122,770,000 | 121,856,000 |
| Total loans | 82,429,000 | 84,984,000 | 87,374,000 | 92,899,000 |
| Allowance for loan losses | 1,411,000 | 1,450,000 | 1,397,000 | 1,399,000 |
| Securities available for sale | 25,745,000 | 23,104,000 | 21,866,000 | 21,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,033,000 | 105,938,000 | 110,175,000 | 106,100,000 |
| Interest-bearing deposits | 84,772,000 | 86,046,000 | 89,798,000 | 90,116,000 |
| Noninterest-bearing deposits | 18,260,000 | 19,892,000 | 20,377,000 | 15,984,000 |
| Equity capital | 12,083,000 | 12,029,000 | 12,204,000 | 12,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,356,000 | 2,665,000 | 3,981,000 | 5,352,000 |
| Interest expense | 149,000 | 295,000 | 436,000 | 570,000 |
| Net interest income | 1,207,000 | 2,370,000 | 3,545,000 | 4,782,000 |
| Noninterest income | 139,000 | 287,000 | 435,000 | 589,000 |
| Noninterest expense | 1,021,000 | 2,136,000 | 3,214,000 | 4,337,000 |
| Provision for loan losses | 85,000 | 85,000 | 35,000 | 35,000 |
| Pretax income | 240,000 | 522,000 | 817,000 | 1,085,000 |
| Income tax | 0 | 0 | 0 | 12,000 |
| Net income | 240,000 | 522,000 | 817,000 | 1,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,507,000 | 11,624,000 | 12,002,000 | 12,404,000 |
| Total capital | 12,634,000 | 12,794,000 | 13,219,000 | 13,695,000 |
| Risk-weighted assets | 89,844,000 | 93,341,000 | 97,135,000 | 103,165,000 |