Call reports 2025
CORNERSTONE BANK — 2025
What CORNERSTONE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,792,778,000 | 1,755,510,000 | 1,751,016,000 | 1,785,231,000 |
| Total loans | 1,243,486,000 | 1,268,520,000 | 1,279,623,000 | 1,260,992,000 |
| Allowance for loan losses | 16,138,000 | 16,819,000 | 17,183,000 | 17,815,000 |
| Securities available for sale | 293,517,000 | 299,297,000 | 309,408,000 | 314,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,618,938,000 | 1,575,355,000 | 1,562,131,000 | 1,586,156,000 |
| Interest-bearing deposits | 1,402,334,000 | 1,364,734,000 | 1,338,112,000 | 1,354,293,000 |
| Noninterest-bearing deposits | 216,604,000 | 210,621,000 | 224,019,000 | 231,863,000 |
| Equity capital | 117,249,000 | 124,413,000 | 133,039,000 | 141,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 23,787,000 | 48,360,000 | 73,394,000 | 98,238,000 |
| Interest expense | 9,152,000 | 17,917,000 | 26,126,000 | 34,147,000 |
| Net interest income | 14,635,000 | 30,443,000 | 47,268,000 | 64,091,000 |
| Noninterest income | 1,222,000 | 2,443,000 | 3,902,000 | 5,324,000 |
| Noninterest expense | 9,699,000 | 18,998,000 | 28,689,000 | 38,756,000 |
| Provision for loan losses | 377,000 | 1,031,000 | 1,657,000 | 2,237,000 |
| Pretax income | 5,858,000 | 12,988,000 | 20,981,000 | 28,559,000 |
| Income tax | -833,000 | 1,080,000 | 3,235,000 | 4,737,000 |
| Net income | 6,691,000 | 11,908,000 | 17,746,000 | 23,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,487,000 | 151,704,000 | 157,541,000 | 163,618,000 |
| Total capital | 162,880,000 | 168,724,000 | 174,899,000 | 181,628,000 |
| Risk-weighted assets | 1,430,286,000 | 1,456,375,000 | 1,451,469,000 | 1,444,225,000 |