Call reports 2003
CORNERSTONE NATIONAL BANK — 2003
What CORNERSTONE NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,821,000 | 72,953,000 | 78,601,000 | 84,516,000 |
| Total loans | 45,967,000 | 49,942,000 | 52,887,000 | 59,409,000 |
| Allowance for loan losses | 595,000 | 629,000 | 658,000 | 728,000 |
| Securities available for sale | 8,895,000 | 8,434,000 | 9,188,000 | 9,370,000 |
| Securities held to maturity | 5,731,000 | 5,728,000 | 5,225,000 | 5,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,401,000 | 61,219,000 | 65,560,000 | 66,157,000 |
| Interest-bearing deposits | 50,037,000 | 53,387,000 | 56,172,000 | 56,954,000 |
| Noninterest-bearing deposits | 7,364,000 | 7,833,000 | 9,389,000 | 9,202,000 |
| Equity capital | 6,959,000 | 7,061,000 | 7,167,000 | 7,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,817,000 | 2,784,000 | 3,801,000 |
| Interest expense | 296,000 | 612,000 | 912,000 | 1,208,000 |
| Net interest income | 583,000 | 1,205,000 | 1,872,000 | 2,593,000 |
| Noninterest income | 131,000 | 300,000 | 483,000 | 617,000 |
| Noninterest expense | 595,000 | 1,204,000 | 1,841,000 | 2,472,000 |
| Provision for loan losses | 41,000 | 75,000 | 104,000 | 174,000 |
| Pretax income | 78,000 | 226,000 | 410,000 | 564,000 |
| Income tax | 24,000 | 63,000 | 116,000 | 165,000 |
| Net income | 54,000 | 163,000 | 294,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,886,000 | 6,994,000 | 7,126,000 | 7,231,000 |
| Total capital | 7,481,000 | 7,623,000 | 7,784,000 | 7,959,000 |
| Risk-weighted assets | 54,422,000 | 56,651,000 | 58,978,000 | 65,451,000 |
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