Call reports 2004
CORNERSTONE NATIONAL BANK — 2004
What CORNERSTONE NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,384,000 | 86,142,000 | 91,752,000 | 100,602,000 |
| Total loans | 61,280,000 | 64,926,000 | 69,549,000 | 75,158,000 |
| Allowance for loan losses | 764,000 | 813,000 | 861,000 | 920,000 |
| Securities available for sale | 6,083,000 | 7,629,000 | 8,665,000 | 8,975,000 |
| Securities held to maturity | 5,220,000 | 4,718,000 | 3,716,000 | 3,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,474,000 | 70,558,000 | 75,246,000 | 83,355,000 |
| Interest-bearing deposits | 58,885,000 | 63,017,000 | 65,416,000 | 73,950,000 |
| Noninterest-bearing deposits | 8,589,000 | 7,541,000 | 9,830,000 | 9,405,000 |
| Equity capital | 7,378,000 | 7,429,000 | 7,684,000 | 7,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,033,000 | 2,088,000 | 3,250,000 | 4,532,000 |
| Interest expense | 296,000 | 596,000 | 923,000 | 1,300,000 |
| Net interest income | 737,000 | 1,492,000 | 2,327,000 | 3,232,000 |
| Noninterest income | 182,000 | 346,000 | 545,000 | 714,000 |
| Noninterest expense | 682,000 | 1,347,000 | 2,035,000 | 2,667,000 |
| Provision for loan losses | 39,000 | 88,000 | 138,000 | 197,000 |
| Pretax income | 203,000 | 408,000 | 704,000 | 1,087,000 |
| Income tax | 74,000 | 148,000 | 257,000 | 388,000 |
| Net income | 129,000 | 260,000 | 447,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,360,000 | 7,491,000 | 7,678,000 | 7,930,000 |
| Total capital | 8,124,000 | 8,304,000 | 8,539,000 | 8,850,000 |
| Risk-weighted assets | 65,955,000 | 69,914,000 | 73,899,000 | 79,938,000 |
Machine access — free, no API key
Every figure shown here about CORNERSTONE NATIONAL BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.