Call reports 2015
CORNERSTONE COMMUNITY BANK — 2015
What CORNERSTONE COMMUNITY 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 | 167,213,000 | 171,180,000 | 172,327,000 | 171,368,000 |
| Total loans | 127,045,000 | 137,053,000 | 137,726,000 | 137,057,000 |
| Allowance for loan losses | 1,608,000 | 1,612,000 | 1,613,000 | 1,620,000 |
| Securities available for sale | 10,512,000 | 10,097,000 | 9,906,000 | 9,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,072,000 | 137,011,000 | 137,447,000 | 136,293,000 |
| Interest-bearing deposits | 117,813,000 | 107,444,000 | 113,384,000 | 113,843,000 |
| Noninterest-bearing deposits | 30,259,000 | 29,567,000 | 24,063,000 | 22,450,000 |
| Equity capital | 18,547,000 | 18,740,000 | 19,226,000 | 19,419,000 |
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 | 1,682,000 | 3,483,000 | 5,345,000 | 7,207,000 |
| Interest expense | 128,000 | 313,000 | 533,000 | 764,000 |
| Net interest income | 1,554,000 | 3,170,000 | 4,812,000 | 6,443,000 |
| Noninterest income | 185,000 | 384,000 | 918,000 | 940,000 |
| Noninterest expense | 1,293,000 | 2,654,000 | 4,084,000 | 5,379,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 446,000 | 900,000 | 1,646,000 | 2,004,000 |
| Income tax | 184,000 | 370,000 | 677,000 | 824,000 |
| Net income | 262,000 | 530,000 | 969,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,263,000 | 18,555,000 | 19,018,000 | 19,320,000 |
| Total capital | 19,920,000 | 20,216,000 | 20,680,000 | 21,019,000 |
| Risk-weighted assets | 139,883,000 | 151,309,000 | 153,452,000 | 151,535,000 |