Call reports 2007
CORNERSTONE NATIONAL BANK — 2007
What CORNERSTONE NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 136,578,000 | 137,624,000 | 138,772,000 | 140,377,000 |
| Total loans | 103,818,000 | 102,382,000 | 105,423,000 | 108,643,000 |
| Allowance for loan losses | 1,260,000 | 1,301,000 | 1,240,000 | 1,293,000 |
| Securities available for sale | 15,562,000 | 16,815,000 | 17,939,000 | 18,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,832,000 | 111,887,000 | 111,842,000 | 111,858,000 |
| Interest-bearing deposits | 97,714,000 | 99,550,000 | 99,585,000 | 98,212,000 |
| Noninterest-bearing deposits | 13,118,000 | 12,337,000 | 12,257,000 | 13,646,000 |
| Equity capital | 17,244,000 | 17,476,000 | 18,095,000 | 18,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,427,000 | 4,923,000 | 7,486,000 | 10,007,000 |
| Interest expense | 977,000 | 2,035,000 | 3,148,000 | 4,213,000 |
| Net interest income | 1,450,000 | 2,888,000 | 4,338,000 | 5,794,000 |
| Noninterest income | 267,000 | 580,000 | 842,000 | 1,075,000 |
| Noninterest expense | 1,007,000 | 2,058,000 | 3,132,000 | 4,221,000 |
| Provision for loan losses | 60,000 | 113,000 | 136,000 | 196,000 |
| Pretax income | 650,000 | 1,297,000 | 1,912,000 | 2,452,000 |
| Income tax | 213,000 | 434,000 | 639,000 | 820,000 |
| Net income | 437,000 | 863,000 | 1,273,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,163,000 | 17,599,000 | 18,041,000 | 18,444,000 |
| Total capital | 18,423,000 | 18,900,000 | 19,281,000 | 19,737,000 |
| Risk-weighted assets | 113,046,000 | 113,015,000 | 117,359,000 | 120,794,000 |
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