Call reports 2025
CORNERSTONE CAPITAL BANK, SSB — 2025
What CORNERSTONE CAPITAL BANK, SSB 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 | 2,400,784,000 | 2,300,182,000 | 2,262,057,000 | 2,469,832,000 |
| Total loans | 1,351,888,000 | 1,555,995,000 | 1,539,255,000 | 1,724,478,000 |
| Allowance for loan losses | 7,683,000 | 8,102,000 | 8,522,000 | 9,245,000 |
| Securities available for sale | 70,434,000 | 67,433,000 | 67,799,000 | 71,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,511,974,000 | 1,483,381,000 | 1,394,685,000 | 1,308,987,000 |
| Interest-bearing deposits | 1,236,024,000 | 1,166,937,000 | 1,001,676,000 | 995,384,000 |
| Noninterest-bearing deposits | 275,950,000 | 316,444,000 | 393,009,000 | 313,603,000 |
| Equity capital | 331,248,000 | 334,012,000 | 338,635,000 | 339,948,000 |
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 | 26,904,000 | 56,028,000 | 83,639,000 | 111,043,000 |
| Interest expense | 16,736,000 | 34,021,000 | 49,690,000 | 64,818,000 |
| Net interest income | 10,168,000 | 22,007,000 | 33,949,000 | 46,225,000 |
| Noninterest income | 77,830,000 | 154,463,000 | 226,991,000 | 298,209,000 |
| Noninterest expense | 71,832,000 | 147,105,000 | 219,618,000 | 293,586,000 |
| Provision for loan losses | 324,000 | 742,000 | 1,165,000 | 2,008,000 |
| Pretax income | 15,742,000 | 28,506,000 | 40,109,000 | 48,802,000 |
| Income tax | 404,000 | 1,664,000 | 2,982,000 | 3,106,000 |
| Net income | 7,328,000 | 10,781,000 | 14,662,000 | 16,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 336,122,000 | 340,856,000 | 350,336,000 | 348,688,000 |
| Total capital | 344,136,000 | 349,305,000 | 359,135,000 | 358,201,000 |
| Risk-weighted assets | 1,276,075,000 | 1,425,969,000 | 1,435,235,000 | 1,646,406,000 |