Call reports 2006
CORNERSTONE BANK — 2006
What CORNERSTONE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 219,077,000 | 224,716,000 | 224,625,000 | 234,654,000 |
| Total loans | 187,525,000 | 189,576,000 | 186,889,000 | 197,878,000 |
| Allowance for loan losses | 2,504,000 | 2,505,000 | 2,485,000 | 2,712,000 |
| Securities available for sale | 23,995,000 | 26,193,000 | 29,382,000 | 26,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,570,000 | 154,352,000 | 152,735,000 | 158,954,000 |
| Interest-bearing deposits | 144,672,000 | 135,053,000 | 133,569,000 | 135,803,000 |
| Noninterest-bearing deposits | 18,898,000 | 19,299,000 | 19,166,000 | 23,151,000 |
| Equity capital | 15,469,000 | 18,573,000 | 20,104,000 | 21,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,665,000 | 7,687,000 | 11,860,000 | 16,218,000 |
| Interest expense | 1,697,000 | 3,585,000 | 5,559,000 | 7,679,000 |
| Net interest income | 1,968,000 | 4,102,000 | 6,301,000 | 8,539,000 |
| Noninterest income | 154,000 | 394,000 | 677,000 | 964,000 |
| Noninterest expense | 1,074,000 | 2,130,000 | 3,263,000 | 4,358,000 |
| Provision for loan losses | 353,000 | 353,000 | 420,000 | 665,000 |
| Pretax income | 695,000 | 2,004,000 | 3,286,000 | 4,471,000 |
| Income tax | 26,000 | 79,000 | 133,000 | 181,000 |
| Net income | 669,000 | 1,925,000 | 3,153,000 | 4,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,717,000 | 18,973,000 | 20,202,000 | 21,339,000 |
| Total capital | 17,956,000 | 21,225,000 | 22,369,000 | 23,648,000 |
| Risk-weighted assets | 178,849,000 | 179,924,000 | 180,283,000 | 190,946,000 |
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