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 | 139,769,000 | 168,551,000 | 189,074,000 | 204,512,000 |
| Total loans | 124,585,000 | 145,338,000 | 156,892,000 | 169,960,000 |
| Allowance for loan losses | 1,722,000 | 2,005,000 | 2,032,000 | 2,150,000 |
| Securities available for sale | 8,012,000 | 9,066,000 | 13,005,000 | 22,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,316,000 | 141,506,000 | 148,902,000 | 162,129,000 |
| Interest-bearing deposits | 106,222,000 | 126,291,000 | 130,619,000 | 143,743,000 |
| Noninterest-bearing deposits | 13,094,000 | 15,215,000 | 18,283,000 | 18,386,000 |
| Equity capital | 10,954,000 | 12,341,000 | 13,017,000 | 14,798,000 |
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 | 1,934,000 | 4,281,000 | 7,180,000 | 10,467,000 |
| Interest expense | 760,000 | 1,780,000 | 3,091,000 | 4,609,000 |
| Net interest income | 1,174,000 | 2,501,000 | 4,089,000 | 5,858,000 |
| Noninterest income | 138,000 | 209,000 | 387,000 | 587,000 |
| Noninterest expense | 719,000 | 1,435,000 | 2,313,000 | 3,269,000 |
| Provision for loan losses | 262,000 | 602,000 | 742,000 | 831,000 |
| Pretax income | 331,000 | 673,000 | 1,421,000 | 2,345,000 |
| Income tax | 6,000 | 20,000 | 47,000 | 84,000 |
| Net income | 325,000 | 653,000 | 1,374,000 | 2,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,113,000 | 12,441,000 | 13,162,000 | 15,048,000 |
| Total capital | 12,562,000 | 14,130,000 | 14,972,000 | 17,052,000 |
| Risk-weighted assets | 115,665,000 | 134,777,000 | 144,597,000 | 160,180,000 |
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