Call reports 2003
CORNERSTONE BANK — 2003
What CORNERSTONE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,250,000 | 46,907,000 | 48,023,000 | 48,121,000 |
| Total loans | 22,279,000 | 24,268,000 | 24,579,000 | 22,804,000 |
| Allowance for loan losses | 327,000 | 332,000 | 334,000 | 301,000 |
| Securities available for sale | 13,589,000 | 12,282,000 | 11,953,000 | 13,173,000 |
| Securities held to maturity | 3,542,000 | 4,317,000 | 4,184,000 | 3,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,064,000 | 39,679,000 | 40,807,000 | 40,811,000 |
| Interest-bearing deposits | 35,394,000 | 33,629,000 | 34,021,000 | 34,869,000 |
| Noninterest-bearing deposits | 5,670,000 | 6,050,000 | 6,786,000 | 5,942,000 |
| Equity capital | 6,918,000 | 6,921,000 | 6,906,000 | 6,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,147,000 | 1,708,000 | 2,270,000 |
| Interest expense | 186,000 | 352,000 | 500,000 | 639,000 |
| Net interest income | 395,000 | 795,000 | 1,208,000 | 1,631,000 |
| Noninterest income | 54,000 | 124,000 | 193,000 | 275,000 |
| Noninterest expense | 279,000 | 539,000 | 812,000 | 1,107,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 57,000 |
| Pretax income | 164,000 | 368,000 | 571,000 | 742,000 |
| Income tax | 10,000 | 25,000 | 46,000 | 48,000 |
| Net income | 154,000 | 343,000 | 525,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,675,000 | 6,670,000 | 6,776,000 | 6,870,000 |
| Total capital | 7,002,000 | 7,002,000 | 7,110,000 | 7,171,000 |
| Risk-weighted assets | 31,762,000 | 34,222,000 | 33,875,000 | 31,873,000 |
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