Call reports 2004
CORNERSTONE BANK — 2004
What CORNERSTONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,100,000 | 48,732,000 | 49,811,000 | 51,188,000 |
| Total loans | 23,087,000 | 25,929,000 | 26,919,000 | 24,861,000 |
| Allowance for loan losses | 310,000 | 314,000 | 324,000 | 333,000 |
| Securities available for sale | 14,919,000 | 15,238,000 | 14,885,000 | 13,580,000 |
| Securities held to maturity | 3,508,000 | 3,364,000 | 3,291,000 | 3,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,747,000 | 40,254,000 | 41,777,000 | 43,004,000 |
| Interest-bearing deposits | 36,261,000 | 34,336,000 | 35,622,000 | 36,202,000 |
| Noninterest-bearing deposits | 5,486,000 | 5,918,000 | 6,155,000 | 6,802,000 |
| Equity capital | 7,154,000 | 6,991,000 | 7,271,000 | 7,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,123,000 | 1,743,000 | 2,355,000 |
| Interest expense | 130,000 | 258,000 | 394,000 | 534,000 |
| Net interest income | 423,000 | 865,000 | 1,349,000 | 1,821,000 |
| Noninterest income | 55,000 | 126,000 | 196,000 | 271,000 |
| Noninterest expense | 269,000 | 543,000 | 826,000 | 1,093,000 |
| Provision for loan losses | 69,000 | 78,000 | 88,000 | 101,000 |
| Pretax income | 140,000 | 370,000 | 631,000 | 898,000 |
| Income tax | 10,000 | 25,000 | 43,000 | 61,000 |
| Net income | 130,000 | 345,000 | 588,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,000,000 | 7,042,000 | 7,237,000 | 7,438,000 |
| Total capital | 7,310,000 | 7,356,000 | 7,561,000 | 7,771,000 |
| Risk-weighted assets | 32,375,000 | 35,228,000 | 36,420,000 | 34,421,000 |
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