Call reports 2005
CORNERSTONE STATE BANK — 2005
What CORNERSTONE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,574,000 | 84,956,000 | 85,357,000 | 89,744,000 |
| Total loans | 59,269,000 | 62,591,000 | 63,965,000 | 68,238,000 |
| Allowance for loan losses | 686,000 | 744,000 | 790,000 | 746,000 |
| Securities available for sale | 13,264,000 | 13,248,000 | 13,149,000 | 13,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,969,000 | 68,286,000 | 68,467,000 | 70,676,000 |
| Interest-bearing deposits | 52,980,000 | 61,683,000 | 57,492,000 | 59,390,000 |
| Noninterest-bearing deposits | 9,989,000 | 6,603,000 | 10,975,000 | 11,286,000 |
| Equity capital | 8,663,000 | 8,707,000 | 8,910,000 | 9,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,445,000 | 3,840,000 | 5,213,000 |
| Interest expense | 314,000 | 683,000 | 1,098,000 | 1,534,000 |
| Net interest income | 861,000 | 1,762,000 | 2,742,000 | 3,679,000 |
| Noninterest income | 85,000 | 199,000 | 309,000 | 441,000 |
| Noninterest expense | 560,000 | 1,161,000 | 1,814,000 | 2,507,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 301,000 | 670,000 | 1,062,000 | 1,393,000 |
| Income tax | 130,000 | 280,000 | 431,000 | 580,000 |
| Net income | 171,000 | 390,000 | 631,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,463,000 | 7,719,000 | 7,999,000 | 8,220,000 |
| Total capital | 8,149,000 | 8,463,000 | 8,789,000 | 8,966,000 |
| Risk-weighted assets | 57,129,000 | 60,590,000 | 62,627,000 | 67,017,000 |