Call reports 2002
CORNERSTONE BANK — 2002
What CORNERSTONE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,033,000 | 44,341,000 | 44,804,000 | 46,493,000 |
| Total loans | 20,150,000 | 22,399,000 | 23,902,000 | 22,774,000 |
| Allowance for loan losses | 305,000 | 311,000 | 318,000 | 320,000 |
| Securities available for sale | 14,857,000 | 14,852,000 | 13,583,000 | 13,124,000 |
| Securities held to maturity | 1,666,000 | 1,740,000 | 1,905,000 | 2,733,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,223,000 | 37,328,000 | 37,675,000 | 39,213,000 |
| Interest-bearing deposits | 33,300,000 | 32,144,000 | 32,289,000 | 33,312,000 |
| Noninterest-bearing deposits | 4,923,000 | 5,184,000 | 5,386,000 | 5,901,000 |
| Equity capital | 6,525,000 | 6,681,000 | 6,795,000 | 6,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,316,000 | 1,979,000 | 2,614,000 |
| Interest expense | 273,000 | 510,000 | 729,000 | 933,000 |
| Net interest income | 389,000 | 806,000 | 1,250,000 | 1,681,000 |
| Noninterest income | 57,000 | 126,000 | 197,000 | 273,000 |
| Noninterest expense | 286,000 | 565,000 | 875,000 | 1,148,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 154,000 | 340,000 | 539,000 | 767,000 |
| Income tax | 6,000 | 21,000 | 34,000 | 52,000 |
| Net income | 148,000 | 319,000 | 505,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,393,000 | 6,381,000 | 6,477,000 | 6,624,000 |
| Total capital | 6,698,000 | 6,692,000 | 6,795,000 | 6,944,000 |
| Risk-weighted assets | 30,297,000 | 31,158,000 | 31,946,000 | 30,825,000 |
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