Call reports 2025
CORNERSTONE BANK — 2025
What CORNERSTONE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,812,636,000 | 2,790,733,000 | 2,774,024,000 | 2,760,622,000 |
| Total loans | 2,163,243,000 | 2,140,170,000 | 2,122,499,000 | 2,090,779,000 |
| Allowance for loan losses | 24,555,000 | 23,548,000 | 24,746,000 | 23,580,000 |
| Securities available for sale | 292,601,000 | 300,470,000 | 299,927,000 | 296,962,000 |
| Securities held to maturity | 185,980,000 | 183,362,000 | 187,988,000 | 179,907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,401,792,000 | 2,322,456,000 | 2,388,347,000 | 2,438,827,000 |
| Interest-bearing deposits | 2,063,747,000 | 2,014,078,000 | 2,078,221,000 | 2,089,081,000 |
| Noninterest-bearing deposits | 338,045,000 | 308,378,000 | 310,126,000 | 349,746,000 |
| Equity capital | 218,413,000 | 226,894,000 | 235,590,000 | 243,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 37,776,000 | 76,090,000 | 115,065,000 | 152,688,000 |
| Interest expense | 17,752,000 | 35,143,000 | 52,476,000 | 68,507,000 |
| Net interest income | 20,024,000 | 40,947,000 | 62,589,000 | 84,181,000 |
| Noninterest income | 4,902,000 | 10,070,000 | 14,975,000 | 20,585,000 |
| Noninterest expense | 16,651,000 | 33,275,000 | 50,259,000 | 67,971,000 |
| Provision for loan losses | 1,184,000 | 2,380,000 | 3,590,000 | 4,800,000 |
| Pretax income | 7,031,000 | 15,322,000 | 23,530,000 | 31,861,000 |
| Income tax | 179,000 | 369,000 | 554,000 | 742,000 |
| Net income | 6,852,000 | 14,953,000 | 22,976,000 | 31,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 241,073,000 | 246,684,000 | 252,222,000 | 257,859,000 |
| Total capital | 265,628,000 | 270,232,000 | — | — |
| Risk-weighted assets | 2,319,544,000 | 2,299,143,000 | — | — |