Call reports 2005
CORNERSTONE BANK — 2005
What CORNERSTONE 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 | 66,022,000 | 65,779,000 | 64,482,000 | 67,605,000 |
| Total loans | 22,739,000 | 22,051,000 | 24,400,000 | 25,183,000 |
| Allowance for loan losses | 696,000 | 643,000 | 638,000 | 625,000 |
| Securities available for sale | 28,203,000 | 31,659,000 | 28,823,000 | 28,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,072,000 | 56,294,000 | 55,049,000 | 58,373,000 |
| Interest-bearing deposits | 47,896,000 | 46,519,000 | 45,966,000 | 47,737,000 |
| Noninterest-bearing deposits | 9,176,000 | 9,775,000 | 9,083,000 | 10,636,000 |
| Equity capital | 6,796,000 | 7,187,000 | 7,206,000 | 7,109,000 |
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 | 752,000 | 1,510,000 | 2,320,000 | 3,130,000 |
| Interest expense | 193,000 | 412,000 | 660,000 | 911,000 |
| Net interest income | 559,000 | 1,098,000 | 1,660,000 | 2,219,000 |
| Noninterest income | 194,000 | 385,000 | 594,000 | 759,000 |
| Noninterest expense | 476,000 | 989,000 | 1,497,000 | 2,021,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 277,000 | 494,000 | 759,000 | 959,000 |
| Income tax | 74,000 | 123,000 | 188,000 | 222,000 |
| Net income | 203,000 | 371,000 | 571,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,106,000 | 7,273,000 | 7,473,000 | 7,530,000 |
| Total capital | 7,545,000 | 7,706,000 | 7,925,000 | 8,001,000 |
| Risk-weighted assets | 34,832,000 | 34,447,000 | 35,992,000 | 37,531,000 |
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