Call reports 2025
CORNERSTONE NATIONAL BANK & TRUST COMPANY — 2025
What CORNERSTONE NATIONAL BANK & TRUST COMPANY 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 | 997,764,000 | 999,726,000 | 1,018,932,000 | 1,030,772,000 |
| Total loans | 660,354,000 | 686,688,000 | 717,922,000 | 750,820,000 |
| Allowance for loan losses | 8,731,000 | 8,731,000 | 8,931,000 | 9,251,000 |
| Securities available for sale | 209,389,000 | 202,667,000 | 201,431,000 | 194,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 892,930,000 | 891,804,000 | 904,560,000 | 924,970,000 |
| Interest-bearing deposits | 605,436,000 | 603,010,000 | 620,117,000 | 650,561,000 |
| Noninterest-bearing deposits | 287,494,000 | 288,794,000 | 284,443,000 | 274,409,000 |
| Equity capital | 98,730,000 | 99,699,000 | 102,817,000 | 101,432,000 |
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 | 12,741,000 | 26,102,000 | 40,287,000 | 54,370,000 |
| Interest expense | 4,136,000 | 8,358,000 | 12,770,000 | 16,904,000 |
| Net interest income | 8,605,000 | 17,744,000 | 27,517,000 | 37,466,000 |
| Noninterest income | 1,323,000 | 2,701,000 | 4,088,000 | 5,607,000 |
| Noninterest expense | 6,832,000 | 13,267,000 | 19,957,000 | 27,198,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 520,000 |
| Pretax income | 3,122,000 | 7,217,000 | 11,503,000 | 15,423,000 |
| Income tax | 863,000 | 1,982,000 | 3,140,000 | 3,835,000 |
| Net income | 2,259,000 | 5,235,000 | 8,363,000 | 11,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,069,000 | 102,643,000 | 105,050,000 | 103,379,000 |
| Total capital | 110,990,000 | 111,564,000 | 114,171,000 | 112,820,000 |
| Risk-weighted assets | 774,321,000 | 789,525,000 | 823,894,000 | 858,888,000 |