Call reports 2005
CORNERSTONE BANK — 2005
What CORNERSTONE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,271,000 | 50,540,000 | 53,443,000 | 51,214,000 |
| Total loans | 23,405,000 | 25,720,000 | 25,258,000 | 22,057,000 |
| Allowance for loan losses | 367,000 | 364,000 | 366,000 | 355,000 |
| Securities available for sale | 18,778,000 | 16,391,000 | 16,793,000 | 20,175,000 |
| Securities held to maturity | 3,207,000 | 2,931,000 | 2,173,000 | 1,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,178,000 | 41,475,000 | 45,283,000 | 43,013,000 |
| Interest-bearing deposits | 37,624,000 | 34,176,000 | 37,292,000 | 35,756,000 |
| Noninterest-bearing deposits | 6,554,000 | 7,299,000 | 7,991,000 | 7,257,000 |
| Equity capital | 7,384,000 | 7,398,000 | 7,460,000 | 7,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,204,000 | 1,841,000 | 2,498,000 |
| Interest expense | 142,000 | 299,000 | 476,000 | 676,000 |
| Net interest income | 449,000 | 905,000 | 1,365,000 | 1,822,000 |
| Noninterest income | 67,000 | 149,000 | 234,000 | 323,000 |
| Noninterest expense | 300,000 | 590,000 | 898,000 | 1,246,000 |
| Provision for loan losses | 12,000 | 24,000 | 33,000 | 42,000 |
| Pretax income | 204,000 | 440,000 | 668,000 | 857,000 |
| Income tax | 13,000 | 32,000 | 46,000 | 58,000 |
| Net income | 191,000 | 408,000 | 622,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,629,000 | 7,510,000 | 7,628,000 | 7,723,000 |
| Total capital | 7,996,000 | 7,874,000 | 7,994,000 | 8,078,000 |
| Risk-weighted assets | 35,502,000 | 37,594,000 | 38,105,000 | 34,934,000 |
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