Call reports 2006
CORNERSTONE NATIONAL BANK — 2006
What CORNERSTONE NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 120,089,000 | 120,712,000 | 129,034,000 | 127,522,000 |
| Total loans | 88,059,000 | 88,749,000 | 91,007,000 | 97,556,000 |
| Allowance for loan losses | 1,345,000 | 1,116,000 | 1,161,000 | 1,200,000 |
| Securities available for sale | 9,397,000 | 14,143,000 | 18,074,000 | 16,175,000 |
| Securities held to maturity | 3,003,000 | 2,502,000 | 2,501,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,725,000 | 96,277,000 | 102,664,000 | 102,943,000 |
| Interest-bearing deposits | 83,820,000 | 83,695,000 | 90,429,000 | 90,003,000 |
| Noninterest-bearing deposits | 11,905,000 | 12,582,000 | 12,235,000 | 12,940,000 |
| Equity capital | 15,054,000 | 15,557,000 | 16,186,000 | 16,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,928,000 | 4,013,000 | 6,274,000 | 8,624,000 |
| Interest expense | 669,000 | 1,415,000 | 2,275,000 | 3,187,000 |
| Net interest income | 1,259,000 | 2,598,000 | 3,999,000 | 5,437,000 |
| Noninterest income | 265,000 | 793,000 | 1,124,000 | 1,386,000 |
| Noninterest expense | 978,000 | 1,936,000 | 2,899,000 | 3,886,000 |
| Provision for loan losses | 287,000 | 336,000 | 407,000 | 446,000 |
| Pretax income | 259,000 | 1,119,000 | 1,817,000 | 2,491,000 |
| Income tax | 89,000 | 366,000 | 602,000 | 825,000 |
| Net income | 170,000 | 753,000 | 1,215,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,136,000 | 15,723,000 | 16,190,000 | 16,647,000 |
| Total capital | 16,350,000 | 16,839,000 | 17,351,000 | 17,847,000 |
| Risk-weighted assets | 96,962,000 | 97,601,000 | 100,938,000 | 105,776,000 |
Machine access — free, no API key
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