Call reports 2005

CORNERSTONE BANK & TRUST, NATIONAL ASSOCIATION — 2005

Name: CORNERSTONE BANK & TRUST, NATIONAL ASSOCIATION — FFIEC call report 2005
Creator: CORNERSTONE BANK & TRUST, NATIONAL ASSOCIATION

What CORNERSTONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.

PERIOD: 2005SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/841e9b73-09a3-4b82-b4fb-49a6afbda6cf/2005

Balance sheet

What the bank holds and owes at quarter end

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Total assets	100,513,000	103,342,000	107,287,000	110,244,000
Total loans	59,082,000	64,610,000	69,263,000	73,863,000
Allowance for loan losses	1,080,000	997,000	981,000	982,000
Securities available for sale	26,032,000	25,066,000	23,357,000	21,703,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	83,795,000	85,397,000	88,487,000	91,835,000
Interest-bearing deposits	71,207,000	73,028,000	76,595,000	80,056,000
Noninterest-bearing deposits	12,588,000	12,369,000	11,892,000	11,779,000
Equity capital	13,661,000	13,730,000	13,735,000	13,678,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Interest income	1,228,000	2,538,000	3,912,000	5,418,000
Interest expense	374,000	783,000	1,250,000	1,793,000
Net interest income	854,000	1,755,000	2,662,000	3,625,000
Noninterest income	310,000	564,000	792,000	1,010,000
Noninterest expense	984,000	1,858,000	2,795,000	3,638,000
Provision for loan losses	0	0	0	0
Pretax income	180,000	461,000	659,000	997,000
Income tax	39,000	128,000	200,000	328,000
Net income	141,000	333,000	459,000	669,000

Basel measures — not reported for every quarter

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Tier 1 capital	10,043,000	10,091,000	10,205,000	10,288,000
Total capital	10,946,000	11,044,000	11,169,000	11,370,000
Risk-weighted assets	72,089,000	76,124,000	81,256,000	86,363,000