Call reports 2016
CORNERSTONE COMMUNITY BANK — 2016
What CORNERSTONE COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 180,785,000 | 178,472,000 | 195,527,000 | 194,350,000 |
| Total loans | 139,660,000 | 145,939,000 | 147,477,000 | 154,386,000 |
| Allowance for loan losses | 1,620,000 | 1,620,000 | 1,621,000 | 1,623,000 |
| Securities available for sale | 14,645,000 | 14,454,000 | 14,004,000 | 13,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,494,000 | 145,669,000 | 162,708,000 | 161,248,000 |
| Interest-bearing deposits | 121,636,000 | 120,621,000 | 135,100,000 | 138,050,000 |
| Noninterest-bearing deposits | 23,858,000 | 25,049,000 | 27,608,000 | 23,197,000 |
| Equity capital | 19,658,000 | 20,103,000 | 20,034,000 | 20,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,869,000 | 3,830,000 | 5,852,000 | 8,025,000 |
| Interest expense | 236,000 | 468,000 | 710,000 | 969,000 |
| Net interest income | 1,633,000 | 3,362,000 | 5,142,000 | 7,056,000 |
| Noninterest income | 126,000 | 395,000 | 536,000 | 804,000 |
| Noninterest expense | 1,309,000 | 2,585,000 | 3,826,000 | 5,123,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 450,000 | 1,172,000 | 1,852,000 | 2,737,000 |
| Income tax | 184,000 | 481,000 | 760,000 | 1,124,000 |
| Net income | 266,000 | 691,000 | 1,092,000 | 1,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,534,000 | 19,907,000 | 19,831,000 | 20,319,000 |
| Total capital | 21,233,000 | 21,606,000 | 21,531,000 | 22,021,000 |
| Risk-weighted assets | 153,054,000 | 159,913,000 | 164,737,000 | 172,616,000 |