Call reports 2006
CORNERSTONE BANK — 2006
What CORNERSTONE 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 | 67,862,000 | 65,700,000 | 65,179,000 | 67,388,000 |
| Total loans | 24,972,000 | 26,344,000 | 27,266,000 | 28,778,000 |
| Allowance for loan losses | 657,000 | 626,000 | 671,000 | 725,000 |
| Securities available for sale | 27,391,000 | 25,489,000 | 25,062,000 | 24,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,522,000 | 56,571,000 | 55,337,000 | 57,505,000 |
| Interest-bearing deposits | 47,540,000 | 44,871,000 | 43,930,000 | 45,234,000 |
| Noninterest-bearing deposits | 10,982,000 | 11,700,000 | 11,406,000 | 12,271,000 |
| Equity capital | 7,192,000 | 7,080,000 | 7,572,000 | 7,674,000 |
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 | 860,000 | 1,730,000 | 2,620,000 | 3,515,000 |
| Interest expense | 280,000 | 577,000 | 890,000 | 1,208,000 |
| Net interest income | 580,000 | 1,153,000 | 1,730,000 | 2,307,000 |
| Noninterest income | 211,000 | 437,000 | 633,000 | 841,000 |
| Noninterest expense | 532,000 | 1,076,000 | 1,636,000 | 2,192,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 259,000 | 514,000 | 727,000 | 906,000 |
| Income tax | 67,000 | 133,000 | 186,000 | 174,000 |
| Net income | 192,000 | 381,000 | 541,000 | 732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,723,000 | 7,811,000 | 7,972,000 | 8,052,000 |
| Total capital | 8,189,000 | 8,289,000 | 8,458,000 | 8,557,000 |
| Risk-weighted assets | 37,065,000 | 38,099,000 | 38,720,000 | 40,166,000 |
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