Call reports 2004
CORNERSTONE BANK — 2004
What CORNERSTONE 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 | 62,977,000 | 62,353,000 | 63,497,000 | 66,566,000 |
| Total loans | 21,927,000 | 21,461,000 | 21,413,000 | 23,443,000 |
| Allowance for loan losses | 534,000 | 570,000 | 657,000 | 658,000 |
| Securities available for sale | 30,264,000 | 29,646,000 | 31,803,000 | 29,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,931,000 | 53,991,000 | 54,305,000 | 57,442,000 |
| Interest-bearing deposits | 46,331,000 | 45,572,000 | 46,323,000 | 47,032,000 |
| Noninterest-bearing deposits | 7,600,000 | 8,419,000 | 7,982,000 | 10,411,000 |
| Equity capital | 6,758,000 | 6,336,000 | 6,890,000 | 6,856,000 |
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 | 715,000 | 1,409,000 | 2,223,000 | 2,968,000 |
| Interest expense | 171,000 | 334,000 | 502,000 | 679,000 |
| Net interest income | 544,000 | 1,075,000 | 1,721,000 | 2,289,000 |
| Noninterest income | 196,000 | 402,000 | 603,000 | 780,000 |
| Noninterest expense | 470,000 | 960,000 | 1,462,000 | 1,940,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 270,000 | 517,000 | 862,000 | 1,144,000 |
| Income tax | 68,000 | 130,000 | 230,000 | 298,000 |
| Net income | 202,000 | 387,000 | 632,000 | 846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,387,000 | 6,572,000 | 6,817,000 | 6,922,000 |
| Total capital | 6,796,000 | 6,976,000 | 7,226,000 | 7,359,000 |
| Risk-weighted assets | 32,584,000 | 32,194,000 | 32,505,000 | 34,703,000 |
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