Call reports 2005
CORNERBANK — 2005
What CORNERBANK 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 | 208,151,000 | 214,904,000 | 210,073,000 | 232,497,000 |
| Total loans | 146,291,000 | 150,273,000 | 143,895,000 | 149,125,000 |
| Allowance for loan losses | 2,149,000 | 2,249,000 | 2,314,000 | 2,242,000 |
| Securities available for sale | 48,149,000 | 49,371,000 | 46,464,000 | 65,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,737,000 | 183,772,000 | 184,298,000 | 193,185,000 |
| Interest-bearing deposits | 164,606,000 | 165,734,000 | 164,486,000 | 172,695,000 |
| Noninterest-bearing deposits | 17,131,000 | 18,038,000 | 19,812,000 | 20,490,000 |
| Equity capital | 16,085,000 | 16,553,000 | 16,857,000 | 16,998,000 |
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 | 2,848,000 | 5,851,000 | 8,865,000 | 12,064,000 |
| Interest expense | 824,000 | 1,781,000 | 2,854,000 | 4,106,000 |
| Net interest income | 2,024,000 | 4,070,000 | 6,011,000 | 7,958,000 |
| Noninterest income | 721,000 | 1,436,000 | 2,203,000 | 2,936,000 |
| Noninterest expense | 1,887,000 | 4,037,000 | 6,212,000 | 8,324,000 |
| Provision for loan losses | 139,000 | 279,000 | 376,000 | 390,000 |
| Pretax income | 708,000 | 1,176,000 | 1,609,000 | 2,163,000 |
| Income tax | 199,000 | 304,000 | 370,000 | 505,000 |
| Net income | 509,000 | 872,000 | 1,239,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,248,000 | 16,623,000 | 16,999,000 | 17,289,000 |
| Total capital | 18,294,000 | 18,714,000 | 19,012,000 | 19,412,000 |
| Risk-weighted assets | 163,552,000 | 167,141,000 | 160,741,000 | 169,734,000 |