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 | 592,120,000 | 606,184,000 | 625,315,000 | 640,264,000 |
| Total loans | 367,187,000 | 386,883,000 | 405,298,000 | 392,683,000 |
| Allowance for loan losses | 4,787,000 | 4,915,000 | 5,045,000 | 4,981,000 |
| Securities available for sale | 66,178,000 | 65,562,000 | 62,344,000 | 55,800,000 |
| Securities held to maturity | 94,734,000 | 91,558,000 | 90,429,000 | 92,485,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,748,000 | 542,671,000 | 546,436,000 | 582,841,000 |
| Interest-bearing deposits | 487,920,000 | 491,908,000 | 461,285,000 | 500,857,000 |
| Noninterest-bearing deposits | 51,828,000 | 50,763,000 | 85,151,000 | 81,984,000 |
| Equity capital | 48,689,000 | 48,963,000 | 51,421,000 | 53,979,000 |
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 | 8,975,000 | 18,333,000 | 28,114,000 | 37,559,000 |
| Interest expense | 4,402,000 | 8,979,000 | 13,877,000 | 18,376,000 |
| Net interest income | 4,573,000 | 9,354,000 | 14,237,000 | 19,183,000 |
| Noninterest income | 2,041,000 | 4,247,000 | 6,989,000 | 9,753,000 |
| Noninterest expense | 5,092,000 | 10,470,000 | 16,022,000 | 21,342,000 |
| Provision for loan losses | 99,000 | 198,000 | 299,000 | 299,000 |
| Pretax income | 1,423,000 | 2,933,000 | 4,905,000 | 7,295,000 |
| Income tax | 55,000 | 111,000 | 187,000 | 258,000 |
| Net income | 1,368,000 | 2,822,000 | 4,718,000 | 7,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,225,000 | 44,815,000 | 45,024,000 | 47,363,000 |
| Total capital | 49,011,000 | 49,730,000 | 50,068,000 | 52,344,000 |
| Risk-weighted assets | 413,703,000 | 434,633,000 | 449,935,000 | 445,664,000 |
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