Call reports 2013
CORNERSTONE COMMUNITY BANK — 2013
What CORNERSTONE COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 229,821,000 | 230,310,000 | 228,064,000 | 232,656,000 |
| Total loans | 160,013,000 | 160,161,000 | 158,173,000 | 160,636,000 |
| Allowance for loan losses | 2,419,000 | 2,323,000 | 2,219,000 | 2,256,000 |
| Securities available for sale | 27,293,000 | 25,261,000 | 24,537,000 | 34,417,000 |
| Securities held to maturity | 281,000 | 260,000 | 258,000 | 256,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,848,000 | 204,728,000 | 202,112,000 | 206,523,000 |
| Interest-bearing deposits | 152,269,000 | 148,616,000 | 146,861,000 | 142,725,000 |
| Noninterest-bearing deposits | 51,579,000 | 56,112,000 | 55,251,000 | 63,798,000 |
| Equity capital | 24,644,000 | 24,129,000 | 24,567,000 | 24,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,172,000 | 6,256,000 | 8,385,000 |
| Interest expense | 244,000 | 460,000 | 664,000 | 872,000 |
| Net interest income | 1,887,000 | 3,712,000 | 5,592,000 | 7,513,000 |
| Noninterest income | 240,000 | 461,000 | 652,000 | 821,000 |
| Noninterest expense | 1,734,000 | 3,330,000 | 4,942,000 | 6,599,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 145,000 |
| Pretax income | 343,000 | 826,000 | 1,316,000 | 1,704,000 |
| Income tax | 81,000 | 223,000 | 366,000 | 468,000 |
| Net income | 262,000 | 603,000 | 950,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,220,000 | 20,796,000 | 21,303,000 | 21,611,000 |
| Total capital | 22,370,000 | 22,935,000 | 23,446,000 | 23,803,000 |
| Risk-weighted assets | 171,765,000 | 170,920,000 | 171,342,000 | 175,278,000 |