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 | 540,627,000 | 558,543,000 | 585,958,000 | 585,644,000 |
| Total loans | 314,194,000 | 334,462,000 | 354,812,000 | 350,185,000 |
| Allowance for loan losses | 4,390,000 | 4,462,000 | 4,557,000 | 4,753,000 |
| Securities available for sale | 71,275,000 | 70,775,000 | 69,796,000 | 64,913,000 |
| Securities held to maturity | 101,211,000 | 102,219,000 | 101,301,000 | 97,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,721,000 | 476,115,000 | 514,095,000 | 532,055,000 |
| Interest-bearing deposits | 416,387,000 | 419,236,000 | 449,237,000 | 454,990,000 |
| Noninterest-bearing deposits | 58,334,000 | 56,879,000 | 64,858,000 | 77,065,000 |
| Equity capital | 46,451,000 | 46,325,000 | 47,353,000 | 47,950,000 |
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 | 7,537,000 | 15,628,000 | 24,446,000 | 33,486,000 |
| Interest expense | 3,139,000 | 6,750,000 | 11,191,000 | 15,663,000 |
| Net interest income | 4,398,000 | 8,878,000 | 13,255,000 | 17,823,000 |
| Noninterest income | 1,914,000 | 3,780,000 | 5,779,000 | 7,588,000 |
| Noninterest expense | 4,854,000 | 9,811,000 | 15,148,000 | 20,012,000 |
| Provision for loan losses | 99,000 | 198,000 | 299,000 | 400,000 |
| Pretax income | 1,359,000 | 2,649,000 | 3,587,000 | 4,999,000 |
| Income tax | 51,000 | 102,000 | 137,000 | 192,000 |
| Net income | 1,308,000 | 2,547,000 | 3,450,000 | 4,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,776,000 | 43,157,000 | 43,208,000 | 43,711,000 |
| Total capital | 47,166,000 | 47,619,000 | 47,764,000 | 48,463,000 |
| Risk-weighted assets | 360,686,000 | 382,507,000 | 403,979,000 | 397,842,000 |
Machine access — free, no API key
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