Call reports 2001
CORNERSTONE BANK — 2001
What CORNERSTONE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 44,220,000 | 42,219,000 | 43,137,000 | 46,602,000 |
| Total loans | 20,331,000 | 22,768,000 | 22,411,000 | 21,455,000 |
| Allowance for loan losses | 299,000 | 299,000 | 303,000 | 301,000 |
| Securities available for sale | 14,139,000 | 13,488,000 | 12,775,000 | 13,159,000 |
| Securities held to maturity | 2,354,000 | 2,119,000 | 2,085,000 | 1,841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,441,000 | 34,981,000 | 36,041,000 | 39,443,000 |
| Interest-bearing deposits | 32,661,000 | 30,407,000 | 30,798,000 | 34,695,000 |
| Noninterest-bearing deposits | 4,780,000 | 4,574,000 | 5,243,000 | 4,748,000 |
| Equity capital | 6,296,000 | 6,386,000 | 6,639,000 | 6,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,532,000 | 2,288,000 | 2,991,000 |
| Interest expense | 391,000 | 749,000 | 1,092,000 | 1,398,000 |
| Net interest income | 378,000 | 783,000 | 1,196,000 | 1,593,000 |
| Noninterest income | 62,000 | 136,000 | 191,000 | 278,000 |
| Noninterest expense | 279,000 | 555,000 | 846,000 | 1,131,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 155,000 | 357,000 | 535,000 | 729,000 |
| Income tax | 98,000 | 117,000 | 133,000 | 102,000 |
| Net income | 57,000 | 240,000 | 402,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,080,000 | 6,158,000 | 6,320,000 | 6,545,000 |
| Total capital | 6,379,000 | 6,457,000 | 6,623,000 | 6,846,000 |
| Risk-weighted assets | 28,313,000 | 42,273,000 | 32,566,000 | 32,670,000 |
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