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 | 458,595,000 | 472,577,000 | 486,125,000 | 501,479,000 |
| Total loans | 399,915,000 | 411,673,000 | 421,351,000 | 441,541,000 |
| Allowance for loan losses | 4,593,000 | 4,724,000 | 4,815,000 | 4,895,000 |
| Securities available for sale | 12,028,000 | 12,211,000 | 16,284,000 | 16,932,000 |
| Securities held to maturity | 8,023,000 | 8,991,000 | 8,988,000 | 7,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,419,000 | 326,617,000 | 328,978,000 | 327,771,000 |
| Interest-bearing deposits | 311,336,000 | 269,164,000 | 268,223,000 | 264,232,000 |
| Noninterest-bearing deposits | 52,083,000 | 57,453,000 | 60,755,000 | 63,539,000 |
| Equity capital | 39,345,000 | 40,431,000 | 41,734,000 | 42,148,000 |
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 | 6,332,000 | 12,887,000 | 19,950,000 | 27,202,000 |
| Interest expense | 3,577,000 | 7,095,000 | 10,642,000 | 14,177,000 |
| Net interest income | 2,755,000 | 5,792,000 | 9,308,000 | 13,025,000 |
| Noninterest income | 36,000 | 110,000 | 160,000 | 210,000 |
| Noninterest expense | 1,838,000 | 3,723,000 | 5,658,000 | 7,559,000 |
| Provision for loan losses | 75,000 | 200,000 | 450,000 | 525,000 |
| Pretax income | 878,000 | 1,954,000 | 3,335,000 | 5,034,000 |
| Income tax | 35,000 | 78,000 | 133,000 | 201,000 |
| Net income | 843,000 | 1,876,000 | 3,202,000 | 4,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,074,000 | 41,138,000 | 42,279,000 | 42,597,000 |
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