Call reports 2015
CORNERSTONE BANK — 2015
What CORNERSTONE 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 | 109,410,000 | 107,865,000 | 107,073,000 | 105,400,000 |
| Total loans | 60,518,000 | 60,118,000 | 64,126,000 | 68,716,000 |
| Allowance for loan losses | 1,420,000 | 1,311,000 | 1,167,000 | 1,123,000 |
| Securities available for sale | 25,607,000 | 24,843,000 | 26,456,000 | 20,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,152,000 | 92,707,000 | 91,125,000 | 89,787,000 |
| Interest-bearing deposits | 80,695,000 | 79,565,000 | 78,205,000 | 76,944,000 |
| Noninterest-bearing deposits | 13,457,000 | 13,142,000 | 12,920,000 | 12,843,000 |
| Equity capital | 7,243,000 | 9,024,000 | 9,529,000 | 9,598,000 |
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 | 1,025,000 | 1,889,000 | 2,801,000 | 3,687,000 |
| Interest expense | 132,000 | 261,000 | 387,000 | 511,000 |
| Net interest income | 893,000 | 1,628,000 | 2,414,000 | 3,176,000 |
| Noninterest income | 42,000 | 96,000 | 156,000 | 422,000 |
| Noninterest expense | 859,000 | 1,625,000 | 2,349,000 | 3,137,000 |
| Provision for loan losses | 0 | -200,000 | -300,000 | -275,000 |
| Pretax income | 159,000 | 384,000 | 592,000 | 774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 159,000 | 384,000 | 592,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,235,000 | 9,460,000 | 9,668,000 | 9,850,000 |
| Total capital | 8,096,000 | 10,299,000 | 10,481,000 | 10,728,000 |
| Risk-weighted assets | 68,381,000 | 66,718,000 | 64,686,000 | 69,940,000 |