Call reports 2015
CORNERSTONE COMMUNITY BANK — 2015
What CORNERSTONE COMMUNITY 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 | 238,069,000 | 240,624,000 | 243,140,000 | 248,902,000 |
| Total loans | 173,895,000 | 178,073,000 | 184,883,000 | 192,209,000 |
| Allowance for loan losses | 1,907,000 | 1,869,000 | 1,931,000 | 1,913,000 |
| Securities available for sale | 37,007,000 | 35,406,000 | 33,646,000 | 31,201,000 |
| Securities held to maturity | 188,000 | 186,000 | 144,000 | 142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,730,000 | 205,957,000 | 205,738,000 | 199,214,000 |
| Interest-bearing deposits | 125,775,000 | 125,949,000 | 128,694,000 | 122,585,000 |
| Noninterest-bearing deposits | 72,955,000 | 80,008,000 | 77,044,000 | 76,629,000 |
| Equity capital | 26,881,000 | 26,787,000 | 27,484,000 | 27,848,000 |
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 | 2,038,000 | 4,133,000 | 6,357,000 | 8,630,000 |
| Interest expense | 131,000 | 262,000 | 400,000 | 547,000 |
| Net interest income | 1,907,000 | 3,871,000 | 5,957,000 | 8,083,000 |
| Noninterest income | 218,000 | 442,000 | 660,000 | 897,000 |
| Noninterest expense | 1,706,000 | 3,369,000 | 5,011,000 | 6,742,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 452,000 | 1,051,000 | 1,680,000 | 2,279,000 |
| Income tax | 120,000 | 289,000 | 469,000 | 640,000 |
| Net income | 332,000 | 762,000 | 1,211,000 | 1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,083,000 | 23,645,000 | 24,281,000 | 24,799,000 |
| Total capital | 24,990,000 | 25,514,000 | 26,212,000 | 26,712,000 |
| Risk-weighted assets | 199,506,000 | 204,022,000 | 214,696,000 | 222,597,000 |