Call reports 2011
CORNERSTONE COMMUNITY BANK — 2011
What CORNERSTONE COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 264,608,000 | 257,500,000 | 254,982,000 | 247,919,000 |
| Total loans | 199,951,000 | 191,256,000 | 187,221,000 | 177,721,000 |
| Allowance for loan losses | 4,828,000 | 4,847,000 | 4,740,000 | 4,255,000 |
| Securities available for sale | 28,423,000 | 29,071,000 | 28,881,000 | 28,515,000 |
| Securities held to maturity | 428,000 | 372,000 | 369,000 | 366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,695,000 | 229,120,000 | 226,033,000 | 219,221,000 |
| Interest-bearing deposits | 189,605,000 | 182,548,000 | 185,101,000 | 165,509,000 |
| Noninterest-bearing deposits | 47,090,000 | 46,572,000 | 40,932,000 | 53,712,000 |
| Equity capital | 22,871,000 | 23,472,000 | 24,058,000 | 23,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,920,000 | 5,797,000 | 8,489,000 | 11,082,000 |
| Interest expense | 724,000 | 1,390,000 | 2,008,000 | 2,583,000 |
| Net interest income | 2,196,000 | 4,407,000 | 6,481,000 | 8,499,000 |
| Noninterest income | -20,000 | 267,000 | 557,000 | 136,000 |
| Noninterest expense | 2,023,000 | 3,809,000 | 5,831,000 | 7,851,000 |
| Provision for loan losses | 179,000 | 1,027,000 | 1,252,000 | 1,971,000 |
| Pretax income | 254,000 | 119,000 | 268,000 | -874,000 |
| Income tax | 11,000 | -127,000 | -104,000 | -640,000 |
| Net income | 243,000 | 246,000 | 372,000 | -234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,404,000 | 20,254,000 | 20,550,000 | 19,134,000 |
| Total capital | 22,974,000 | 22,737,000 | 22,964,000 | 21,426,000 |
| Risk-weighted assets | 203,728,000 | 196,280,000 | 190,934,000 | 181,457,000 |