Call reports 2015
CORNERSTONE BANK, THE — 2015
What CORNERSTONE BANK, THE 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 | 135,139,000 | 136,226,000 | 138,816,000 | 142,487,000 |
| Total loans | 98,687,000 | 101,447,000 | 104,336,000 | 107,650,000 |
| Allowance for loan losses | 2,000,000 | 2,075,000 | 2,144,000 | 2,138,000 |
| Securities available for sale | 25,266,000 | 25,075,000 | 23,733,000 | 23,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,316,000 | 115,186,000 | 116,388,000 | 117,364,000 |
| Interest-bearing deposits | 97,803,000 | 96,487,000 | 97,524,000 | 96,264,000 |
| Noninterest-bearing deposits | 19,513,000 | 18,699,000 | 18,864,000 | 21,100,000 |
| Equity capital | 15,975,000 | 16,067,000 | 16,614,000 | 16,763,000 |
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 | 1,866,000 | 3,796,000 | 5,794,000 | 7,838,000 |
| Interest expense | 175,000 | 351,000 | 549,000 | 756,000 |
| Net interest income | 1,691,000 | 3,445,000 | 5,245,000 | 7,082,000 |
| Noninterest income | 165,000 | 329,000 | 500,000 | 679,000 |
| Noninterest expense | 1,121,000 | 2,345,000 | 3,636,000 | 5,014,000 |
| Provision for loan losses | 90,000 | 170,000 | 235,000 | 295,000 |
| Pretax income | 636,000 | 1,258,000 | 1,873,000 | 2,463,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 636,000 | 1,258,000 | 1,873,000 | 2,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,661,000 | 16,033,000 | 16,397,000 | 16,587,000 |
| Total capital | 16,851,000 | 17,210,000 | 17,604,000 | 17,842,000 |
| Risk-weighted assets | 94,412,000 | 93,314,000 | 95,667,000 | 99,532,000 |