Call reports 2018
CORNERSTONE COMMUNITY BANK — 2018
What CORNERSTONE COMMUNITY 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 | 240,678,000 | 244,745,000 | 253,509,000 | 266,345,000 |
| Total loans | 190,732,000 | 193,988,000 | 202,300,000 | 209,330,000 |
| Allowance for loan losses | 1,907,000 | 1,947,000 | 2,022,000 | 2,152,000 |
| Securities available for sale | 10,941,000 | 10,650,000 | 9,548,000 | 9,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,910,000 | 212,103,000 | 219,998,000 | 232,483,000 |
| Interest-bearing deposits | 165,342,000 | 167,038,000 | 170,652,000 | 181,431,000 |
| Noninterest-bearing deposits | 42,568,000 | 45,065,000 | 49,347,000 | 51,052,000 |
| Equity capital | 22,823,000 | 25,610,000 | 26,338,000 | 26,760,000 |
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 | 2,697,000 | 5,569,000 | 8,617,000 | 11,852,000 |
| Interest expense | 375,000 | 786,000 | 1,275,000 | 1,814,000 |
| Net interest income | 2,322,000 | 4,783,000 | 7,342,000 | 10,038,000 |
| Noninterest income | 173,000 | 344,000 | 571,000 | 744,000 |
| Noninterest expense | 1,573,000 | 3,107,000 | 4,752,000 | 6,425,000 |
| Provision for loan losses | 64,000 | 104,000 | 179,000 | 309,000 |
| Pretax income | 858,000 | 1,916,000 | 2,982,000 | 4,048,000 |
| Income tax | 217,000 | 530,000 | 844,000 | 947,000 |
| Net income | 641,000 | 1,386,000 | 2,138,000 | 3,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,805,000 | 25,621,000 | 26,357,000 | 26,754,000 |
| Total capital | 24,791,000 | 27,647,000 | 28,458,000 | 28,985,000 |
| Risk-weighted assets | 207,880,000 | 215,803,000 | 221,536,000 | 226,518,000 |