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 | 357,807,000 | 366,413,000 | 380,548,000 | 374,961,000 |
| Total loans | 224,241,000 | 218,784,000 | 229,045,000 | 222,685,000 |
| Allowance for loan losses | 2,985,000 | 3,069,000 | 3,165,000 | 3,188,000 |
| Securities available for sale | 43,905,000 | 43,086,000 | 40,085,000 | 36,528,000 |
| Securities held to maturity | 48,912,000 | 63,194,000 | 71,381,000 | 71,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,065,000 | 330,868,000 | 331,716,000 | 339,298,000 |
| Interest-bearing deposits | 273,291,000 | 278,208,000 | 282,587,000 | 281,147,000 |
| Noninterest-bearing deposits | 49,774,000 | 52,660,000 | 49,129,000 | 58,151,000 |
| Equity capital | 28,351,000 | 28,982,000 | 29,204,000 | 29,521,000 |
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 | 5,193,000 | 10,396,000 | 15,628,000 | 20,701,000 |
| Interest expense | 1,629,000 | 3,219,000 | 4,704,000 | 6,098,000 |
| Net interest income | 3,564,000 | 7,177,000 | 10,924,000 | 14,603,000 |
| Noninterest income | 1,115,000 | 2,227,000 | 3,556,000 | 4,809,000 |
| Noninterest expense | 3,189,000 | 6,553,000 | 9,977,000 | 13,577,000 |
| Provision for loan losses | 103,000 | 208,000 | 315,000 | 421,000 |
| Pretax income | 1,388,000 | 2,644,000 | 4,189,000 | 5,415,000 |
| Income tax | 37,000 | 76,000 | 115,000 | 155,000 |
| Net income | 1,351,000 | 2,568,000 | 4,074,000 | 5,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,778,000 | 26,193,000 | 26,897,000 | 27,280,000 |
| Total capital | 28,763,000 | 29,206,000 | 30,062,000 | 30,384,000 |
| Risk-weighted assets | 242,889,000 | 240,983,000 | 253,318,000 | 248,267,000 |
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