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 | 221,957,000 | 223,954,000 | 226,102,000 | 224,934,000 |
| Total loans | 172,624,000 | 177,836,000 | 180,875,000 | 177,840,000 |
| Allowance for loan losses | 1,464,000 | 1,482,000 | 1,647,000 | 1,790,000 |
| Securities available for sale | 5,804,000 | 5,807,000 | 5,787,000 | 5,826,000 |
| Securities held to maturity | 18,285,000 | 16,780,000 | 16,526,000 | 15,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,730,000 | 187,549,000 | 189,085,000 | 192,127,000 |
| Interest-bearing deposits | 136,552,000 | 134,465,000 | 134,471,000 | 134,578,000 |
| Noninterest-bearing deposits | 49,178,000 | 53,084,000 | 54,614,000 | 57,549,000 |
| Equity capital | 22,808,000 | 23,296,000 | 23,862,000 | 23,647,000 |
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 | 2,879,000 | 5,872,000 | 9,029,000 | 12,294,000 |
| Interest expense | 979,000 | 1,966,000 | 2,926,000 | 3,835,000 |
| Net interest income | 1,900,000 | 3,906,000 | 6,103,000 | 8,459,000 |
| Noninterest income | 234,000 | 467,000 | 708,000 | 967,000 |
| Noninterest expense | 1,600,000 | 3,220,000 | 4,853,000 | 6,538,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 278,000 |
| Pretax income | 534,000 | 1,153,000 | 1,833,000 | 2,646,000 |
| Income tax | 102,000 | 220,000 | 350,000 | 507,000 |
| Net income | 432,000 | 933,000 | 1,483,000 | 2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,808,000 | 23,310,000 | 23,860,000 | 23,640,000 |