Call reports 2025
CORNERSTONE STATE BANK — 2025
What CORNERSTONE STATE 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 | 233,532,000 | 235,406,000 | 233,313,000 | 241,969,000 |
| Total loans | 150,448,000 | 146,920,000 | 145,619,000 | 154,096,000 |
| Allowance for loan losses | 1,592,000 | 1,360,000 | 1,372,000 | 1,398,000 |
| Securities available for sale | 66,150,000 | 65,723,000 | 68,076,000 | 70,950,000 |
| Securities held to maturity | 694,000 | 694,000 | 2,428,000 | 2,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,490,000 | 214,001,000 | 211,581,000 | 218,843,000 |
| Interest-bearing deposits | 184,760,000 | 186,866,000 | 183,943,000 | 188,268,000 |
| Noninterest-bearing deposits | 28,730,000 | 27,135,000 | 27,638,000 | 30,575,000 |
| Equity capital | 15,050,000 | 16,279,000 | 17,716,000 | 19,049,000 |
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 | 2,593,000 | 5,263,000 | 7,934,000 | 10,690,000 |
| Interest expense | 1,020,000 | 2,015,000 | 2,991,000 | 3,921,000 |
| Net interest income | 1,573,000 | 3,248,000 | 4,943,000 | 6,769,000 |
| Noninterest income | 279,000 | 626,000 | 1,000,000 | 1,301,000 |
| Noninterest expense | 1,434,000 | 2,934,000 | 4,292,000 | 5,737,000 |
| Provision for loan losses | 85,000 | 410,000 | 416,000 | 414,000 |
| Pretax income | 358,000 | 564,000 | 1,275,000 | 1,957,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 358,000 | 564,000 | 1,275,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,292,000 | 24,230,000 | 24,821,000 | 25,330,000 |