Call reports 2007
CORNERSTONE BANK — 2007
What CORNERSTONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 249,449,000 | 269,457,000 | 281,116,000 | 292,699,000 |
| Total loans | 214,932,000 | 224,943,000 | 237,931,000 | 241,829,000 |
| Allowance for loan losses | 3,253,000 | 3,853,000 | 4,557,000 | 4,825,000 |
| Securities available for sale | 24,944,000 | 26,761,000 | 30,400,000 | 30,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,085,000 | 207,072,000 | 213,742,000 | 222,351,000 |
| Interest-bearing deposits | 164,341,000 | 185,438,000 | 192,155,000 | 198,759,000 |
| Noninterest-bearing deposits | 21,744,000 | 21,634,000 | 21,587,000 | 23,592,000 |
| Equity capital | 21,964,000 | 22,270,000 | 22,969,000 | 23,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,532,000 | 9,539,000 | 14,641,000 | 19,631,000 |
| Interest expense | 2,214,000 | 4,748,000 | 7,468,000 | 10,256,000 |
| Net interest income | 2,318,000 | 4,791,000 | 7,173,000 | 9,375,000 |
| Noninterest income | 216,000 | 445,000 | 647,000 | 849,000 |
| Noninterest expense | 1,320,000 | 2,765,000 | 4,118,000 | 5,484,000 |
| Provision for loan losses | 540,000 | 1,307,000 | 2,157,000 | 2,557,000 |
| Pretax income | 674,000 | 1,164,000 | 1,545,000 | 2,188,000 |
| Income tax | 27,000 | 43,000 | 56,000 | 83,000 |
| Net income | 647,000 | 1,121,000 | 1,489,000 | 2,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,002,000 | 22,487,000 | 22,871,000 | 23,502,000 |
| Total capital | 24,645,000 | 25,355,000 | 25,879,000 | 26,518,000 |
| Risk-weighted assets | 210,790,000 | 228,455,000 | 239,124,000 | 239,472,000 |
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