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 | 90,441,000 | 97,733,000 | 105,628,000 | 126,165,000 |
| Total loans | 77,120,000 | 84,580,000 | 93,400,000 | 110,639,000 |
| Allowance for loan losses | 952,000 | 1,080,000 | 1,245,000 | 1,460,000 |
| Securities available for sale | 6,557,000 | 8,175,000 | 6,471,000 | 8,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,945,000 | 82,938,000 | 91,698,000 | 100,163,000 |
| Interest-bearing deposits | 70,600,000 | 76,466,000 | 81,727,000 | 89,305,000 |
| Noninterest-bearing deposits | 7,345,000 | 6,472,000 | 9,971,000 | 10,858,000 |
| Equity capital | 8,192,000 | 9,195,000 | 9,469,000 | 9,720,000 |
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 | 1,005,000 | 2,151,000 | 3,557,000 | 5,191,000 |
| Interest expense | 423,000 | 912,000 | 1,436,000 | 2,047,000 |
| Net interest income | 582,000 | 1,239,000 | 2,121,000 | 3,144,000 |
| Noninterest income | 113,000 | 235,000 | 306,000 | 423,000 |
| Noninterest expense | 514,000 | 1,037,000 | 1,596,000 | 2,231,000 |
| Provision for loan losses | 78,000 | 206,000 | 371,000 | 586,000 |
| Pretax income | 103,000 | 231,000 | 459,000 | 749,000 |
| Income tax | -14,000 | -6,000 | 4,000 | 15,000 |
| Net income | 117,000 | 237,000 | 455,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,171,000 | 9,291,000 | 9,509,000 | 9,788,000 |
| Total capital | 9,123,000 | 10,371,000 | 10,699,000 | 11,060,000 |
| Risk-weighted assets | 81,670,000 | 89,220,000 | 95,145,000 | 101,540,000 |
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