Call reports 2005
CORNERSTONE COMMUNITY BANK — 2005
What CORNERSTONE COMMUNITY BANK 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 | 200,948,000 | 214,514,000 | 227,018,000 | 243,280,000 |
| Total loans | 158,189,000 | 170,979,000 | 179,539,000 | 181,824,000 |
| Allowance for loan losses | 1,805,000 | 1,900,000 | 1,974,000 | 2,081,000 |
| Securities available for sale | 5,684,000 | 5,533,000 | 18,470,000 | 26,034,000 |
| Securities held to maturity | 16,365,000 | 15,827,000 | 13,204,000 | 12,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,368,000 | 182,204,000 | 204,534,000 | 203,818,000 |
| Interest-bearing deposits | 148,480,000 | 157,329,000 | 179,402,000 | 179,223,000 |
| Noninterest-bearing deposits | 22,888,000 | 24,876,000 | 25,133,000 | 24,596,000 |
| Equity capital | 15,308,000 | 15,786,000 | 16,219,000 | 16,730,000 |
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 | 2,538,000 | 5,390,000 | 8,510,000 | 11,913,000 |
| Interest expense | 920,000 | 1,999,000 | 3,264,000 | 4,746,000 |
| Net interest income | 1,618,000 | 3,391,000 | 5,246,000 | 7,167,000 |
| Noninterest income | 194,000 | 375,000 | 616,000 | 853,000 |
| Noninterest expense | 1,111,000 | 2,266,000 | 3,482,000 | 4,659,000 |
| Provision for loan losses | 70,000 | 165,000 | 247,000 | 355,000 |
| Pretax income | 631,000 | 1,335,000 | 2,133,000 | 2,990,000 |
| Income tax | 228,000 | 484,000 | 777,000 | 1,083,000 |
| Net income | 403,000 | 851,000 | 1,356,000 | 1,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,165,000 | 15,624,000 | 16,140,000 | 16,704,000 |
| Total capital | 16,970,000 | 17,524,000 | 18,114,000 | 18,785,000 |
| Risk-weighted assets | 159,233,000 | 174,784,000 | 177,409,000 | 184,335,000 |