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 | 1,705,834,000 | 1,727,590,000 | 1,766,187,000 | 1,819,829,000 |
| Total loans | 1,359,655,000 | 1,401,875,000 | 1,432,313,000 | 1,453,266,000 |
| Allowance for loan losses | 11,487,000 | 11,341,000 | 11,080,000 | 6,138,000 |
| Securities available for sale | 134,743,000 | 137,493,000 | 140,998,000 | 138,335,000 |
| Securities held to maturity | 51,000 | 46,000 | 42,000 | 38,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,349,607,000 | 1,334,727,000 | 1,365,249,000 | 1,417,313,000 |
| Interest-bearing deposits | 1,170,623,000 | 1,149,093,000 | 1,176,016,000 | 1,236,253,000 |
| Noninterest-bearing deposits | 178,984,000 | 185,634,000 | 189,233,000 | 181,060,000 |
| Equity capital | 151,254,000 | 152,509,000 | 154,338,000 | 159,646,000 |
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 | 18,097,000 | 37,173,000 | 57,075,000 | 77,534,000 |
| Interest expense | 9,175,000 | 18,408,000 | 27,718,000 | 37,323,000 |
| Net interest income | 8,922,000 | 18,765,000 | 29,357,000 | 40,211,000 |
| Noninterest income | 4,687,000 | 8,078,000 | 10,838,000 | 13,749,000 |
| Noninterest expense | 12,531,000 | 24,595,000 | 37,502,000 | 50,383,000 |
| Provision for loan losses | -309,000 | -535,000 | -771,000 | -5,676,000 |
| Pretax income | 1,404,000 | 2,797,000 | 3,498,000 | 9,293,000 |
| Income tax | -220,000 | -69,000 | 37,000 | 944,000 |
| Net income | 1,624,000 | 2,866,000 | 3,461,000 | 8,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 162,025,000 | 163,274,000 | 163,877,000 | 168,772,000 |
| Total capital | 173,572,000 | 174,680,000 | 175,001,000 | 174,956,000 |
| Risk-weighted assets | 1,244,959,000 | 1,288,221,000 | 1,335,307,000 | 1,356,421,000 |
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