Call reports 2007
CORNERSTONE BANK — 2007
What CORNERSTONE 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 | 66,775,000 | 67,005,000 | 68,733,000 | 71,864,000 |
| Total loans | 28,688,000 | 29,251,000 | 28,435,000 | 30,249,000 |
| Allowance for loan losses | 734,000 | 734,000 | 704,000 | 717,000 |
| Securities available for sale | 24,002,000 | 21,758,000 | 21,261,000 | 22,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,553,000 | 56,723,000 | 58,094,000 | 61,075,000 |
| Interest-bearing deposits | 45,166,000 | 45,837,000 | 46,800,000 | 48,983,000 |
| Noninterest-bearing deposits | 11,387,000 | 10,886,000 | 11,294,000 | 12,092,000 |
| Equity capital | 7,921,000 | 8,000,000 | 8,254,000 | 8,169,000 |
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 | 920,000 | 1,846,000 | 2,732,000 | 3,664,000 |
| Interest expense | 345,000 | 706,000 | 1,092,000 | 1,479,000 |
| Net interest income | 575,000 | 1,140,000 | 1,640,000 | 2,185,000 |
| Noninterest income | 204,000 | 448,000 | 649,000 | 858,000 |
| Noninterest expense | 548,000 | 1,124,000 | 1,745,000 | 2,355,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 231,000 | 464,000 | 544,000 | 688,000 |
| Income tax | 42,000 | 125,000 | 134,000 | 120,000 |
| Net income | 189,000 | 339,000 | 410,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,241,000 | 8,391,000 | 8,462,000 | 8,513,000 |
| Total capital | 8,741,000 | 8,907,000 | 8,970,000 | 9,060,000 |
| Risk-weighted assets | 39,750,000 | 41,058,000 | 40,442,000 | 43,597,000 |
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