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 | 44,540,000 | 47,239,000 | 45,961,000 | 44,636,000 |
| Total loans | 28,562,000 | 27,412,000 | 27,638,000 | 27,068,000 |
| Allowance for loan losses | 499,000 | 367,000 | 367,000 | 395,000 |
| Securities available for sale | 7,245,000 | 6,176,000 | 5,722,000 | 4,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,311,000 | 40,271,000 | 36,825,000 | 37,427,000 |
| Interest-bearing deposits | 32,418,000 | 35,792,000 | 32,161,000 | 32,778,000 |
| Noninterest-bearing deposits | 4,893,000 | 4,479,000 | 4,664,000 | 4,649,000 |
| Equity capital | 6,055,000 | 6,247,000 | 6,372,000 | 6,454,000 |
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 | 640,000 | 1,251,000 | 1,880,000 | 2,499,000 |
| Interest expense | 224,000 | 445,000 | 698,000 | 909,000 |
| Net interest income | 416,000 | 806,000 | 1,182,000 | 1,590,000 |
| Noninterest income | 30,000 | 60,000 | 90,000 | 128,000 |
| Noninterest expense | 329,000 | 678,000 | 984,000 | 1,322,000 |
| Provision for loan losses | 36,000 | -76,000 | -76,000 | -38,000 |
| Pretax income | 81,000 | 264,000 | 364,000 | 432,000 |
| Income tax | 15,000 | 50,000 | 68,000 | 78,000 |
| Net income | 66,000 | 214,000 | 296,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,210,000 | 6,356,000 | 6,439,000 | 6,498,000 |
| Total capital | 6,492,000 | 6,631,000 | 6,712,000 | 6,760,000 |
| Risk-weighted assets | 22,376,000 | 21,929,000 | 21,749,000 | 20,860,000 |