Call reports 2005
CORNERSTONE NATIONAL BANK — 2005
What CORNERSTONE NATIONAL 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 | 96,485,000 | 101,264,000 | 108,474,000 | 113,316,000 |
| Total loans | 73,216,000 | 76,270,000 | 81,614,000 | 87,332,000 |
| Allowance for loan losses | 934,000 | 955,000 | 1,006,000 | 1,058,000 |
| Securities available for sale | 7,886,000 | 7,860,000 | 7,803,000 | 9,690,000 |
| Securities held to maturity | 3,711,000 | 3,709,000 | 3,707,000 | 3,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,946,000 | 82,847,000 | 92,062,000 | 94,525,000 |
| Interest-bearing deposits | 71,778,000 | 73,417,000 | 80,465,000 | 81,946,000 |
| Noninterest-bearing deposits | 9,168,000 | 9,430,000 | 11,597,000 | 12,579,000 |
| Equity capital | 8,083,000 | 8,367,000 | 8,647,000 | 10,943,000 |
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 | 1,331,000 | 2,788,000 | 4,437,000 | 6,242,000 |
| Interest expense | 435,000 | 927,000 | 1,506,000 | 2,152,000 |
| Net interest income | 896,000 | 1,861,000 | 2,931,000 | 4,090,000 |
| Noninterest income | 172,000 | 437,000 | 722,000 | 1,011,000 |
| Noninterest expense | 708,000 | 1,488,000 | 2,345,000 | 3,247,000 |
| Provision for loan losses | 15,000 | 36,000 | 88,000 | 140,000 |
| Pretax income | 345,000 | 774,000 | 1,220,000 | 1,714,000 |
| Income tax | 115,000 | 276,000 | 439,000 | 620,000 |
| Net income | 230,000 | 498,000 | 781,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,160,000 | 8,428,000 | 8,711,000 | 11,024,000 |
| Total capital | 9,094,000 | 9,383,000 | 9,717,000 | 12,082,000 |
| Risk-weighted assets | 78,722,000 | 87,012,000 | 88,840,000 | 94,468,000 |
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