Call reports 2025
CORNERSTONE BANK, THE — 2025
What CORNERSTONE BANK, THE 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 | 192,553,000 | 197,582,000 | 199,271,000 | 202,935,000 |
| Total loans | 145,100,000 | 149,192,000 | 155,391,000 | 161,551,000 |
| Allowance for loan losses | 2,408,000 | 2,618,000 | 2,906,000 | 2,682,000 |
| Securities available for sale | 26,336,000 | 26,103,000 | 27,075,000 | 27,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,692,000 | 173,165,000 | 173,980,000 | 176,144,000 |
| Interest-bearing deposits | 129,909,000 | 133,498,000 | 137,863,000 | 137,813,000 |
| Noninterest-bearing deposits | 38,783,000 | 39,667,000 | 36,117,000 | 38,331,000 |
| Equity capital | 23,207,000 | 23,612,000 | 24,294,000 | 24,393,000 |
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 | 3,472,000 | 7,085,000 | 10,801,000 | 14,579,000 |
| Interest expense | 1,028,000 | 2,058,000 | 3,121,000 | 4,174,000 |
| Net interest income | 2,444,000 | 5,027,000 | 7,680,000 | 10,405,000 |
| Noninterest income | 286,000 | 624,000 | 972,000 | 1,342,000 |
| Noninterest expense | 1,702,000 | 3,712,000 | 5,628,000 | 7,801,000 |
| Provision for loan losses | 87,000 | 324,000 | 805,000 | 1,001,000 |
| Pretax income | 931,000 | 1,605,000 | 2,209,000 | 2,942,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 931,000 | 1,605,000 | 2,209,000 | 2,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,032,000 | 24,406,000 | 24,708,000 | 24,780,000 |
| Total capital | 25,604,000 | — | 26,376,000 | — |
| Risk-weighted assets | 124,845,000 | — | 132,126,000 | — |