Call reports 2003
CORNERSTONE BANK — 2003
What CORNERSTONE 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 | 58,929,000 | 62,419,000 | 61,367,000 | 62,950,000 |
| Total loans | 22,123,000 | 21,252,000 | 21,829,000 | 22,631,000 |
| Allowance for loan losses | 419,000 | 429,000 | 403,000 | 495,000 |
| Securities available for sale | 26,143,000 | 30,214,000 | 30,363,000 | 28,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,497,000 | 53,655,000 | 51,989,000 | 54,515,000 |
| Interest-bearing deposits | 43,702,000 | 44,194,000 | 43,360,000 | 46,114,000 |
| Noninterest-bearing deposits | 6,795,000 | 9,461,000 | 8,629,000 | 8,401,000 |
| Equity capital | 6,194,000 | 6,432,000 | 6,347,000 | 6,326,000 |
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 | 716,000 | 1,401,000 | 2,089,000 | 2,794,000 |
| Interest expense | 224,000 | 439,000 | 634,000 | 812,000 |
| Net interest income | 492,000 | 962,000 | 1,455,000 | 1,982,000 |
| Noninterest income | 211,000 | 383,000 | 535,000 | 712,000 |
| Noninterest expense | 443,000 | 924,000 | 1,399,000 | 1,873,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 260,000 | 421,000 | 591,000 | 721,000 |
| Income tax | 65,000 | 90,000 | 122,000 | 73,000 |
| Net income | 195,000 | 331,000 | 469,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,846,000 | 5,977,000 | 6,116,000 | 6,185,000 |
| Total capital | 6,249,000 | 6,376,000 | 6,519,000 | 6,602,000 |
| Risk-weighted assets | 32,195,000 | 31,853,000 | 32,259,000 | 33,276,000 |
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