Call reports 2005
CORNERSTONE COMMUNITY BANK — 2005
What CORNERSTONE COMMUNITY 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 | 275,268,000 | 295,469,000 | 312,760,000 | 317,596,000 |
| Total loans | 219,952,000 | 239,521,000 | 253,482,000 | 263,093,000 |
| Allowance for loan losses | 2,843,000 | 3,030,000 | 3,275,000 | 3,422,000 |
| Securities available for sale | 28,885,000 | 28,956,000 | 29,786,000 | 30,128,000 |
| Securities held to maturity | 377,000 | 348,000 | 335,000 | 322,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,220,000 | 232,557,000 | 238,266,000 | 252,963,000 |
| Interest-bearing deposits | 180,719,000 | 199,611,000 | 197,775,000 | 210,343,000 |
| Noninterest-bearing deposits | 36,501,000 | 32,946,000 | 40,491,000 | 42,620,000 |
| Equity capital | 21,689,000 | 23,561,000 | 24,754,000 | 25,816,000 |
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 | 4,322,000 | 9,166,000 | 14,604,000 | 20,615,000 |
| Interest expense | 1,135,000 | 2,559,000 | 4,200,000 | 6,073,000 |
| Net interest income | 3,187,000 | 6,607,000 | 10,404,000 | 14,542,000 |
| Noninterest income | 302,000 | 572,000 | 1,064,000 | 1,502,000 |
| Noninterest expense | 1,848,000 | 3,635,000 | 5,555,000 | 7,532,000 |
| Provision for loan losses | 210,000 | 550,000 | 900,000 | 1,279,000 |
| Pretax income | 1,431,000 | 2,994,000 | 5,013,000 | 7,233,000 |
| Income tax | 554,000 | 1,153,000 | 1,905,000 | 2,699,000 |
| Net income | 877,000 | 1,841,000 | 3,108,000 | 4,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,750,000 | 23,489,000 | 24,756,000 | 25,981,000 |
| Total capital | 24,721,000 | 26,621,000 | 28,094,000 | 29,489,000 |
| Risk-weighted assets | 237,430,000 | 250,267,000 | 266,900,000 | 280,439,000 |
Machine access — free, no API key
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