Call reports 2009
CORNERSTONE BANK — 2009
What CORNERSTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 258,458,000 | 265,000,000 | 260,229,000 | 248,080,000 |
| Total loans | 213,209,000 | 212,440,000 | 202,169,000 | 196,825,000 |
| Allowance for loan losses | 5,429,000 | 5,568,000 | 6,445,000 | 7,502,000 |
| Securities available for sale | 30,680,000 | 22,715,000 | 36,497,000 | 29,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,365,000 | 184,174,000 | 181,693,000 | 173,058,000 |
| Interest-bearing deposits | 155,908,000 | 165,525,000 | 164,039,000 | 150,328,000 |
| Noninterest-bearing deposits | 20,457,000 | 18,649,000 | 17,654,000 | 22,730,000 |
| Equity capital | 27,467,000 | 25,392,000 | 23,227,000 | 21,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,629,000 | 7,126,000 | 10,333,000 | 13,512,000 |
| Interest expense | 1,778,000 | 3,385,000 | 4,960,000 | 6,368,000 |
| Net interest income | 1,851,000 | 3,741,000 | 5,373,000 | 7,144,000 |
| Noninterest income | 290,000 | 617,000 | 727,000 | 731,000 |
| Noninterest expense | 1,389,000 | 2,899,000 | 4,427,000 | 5,600,000 |
| Provision for loan losses | 600,000 | 3,200,000 | 5,900,000 | 7,945,000 |
| Pretax income | 262,000 | -1,584,000 | -4,031,000 | -5,371,000 |
| Income tax | 10,000 | 10,000 | -62,000 | -62,000 |
| Net income | 252,000 | -1,594,000 | -3,969,000 | -5,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,136,000 | 25,315,000 | 22,965,000 | 21,649,000 |
| Total capital | 29,912,000 | 28,042,000 | 25,459,000 | 24,079,000 |
| Risk-weighted assets | 219,400,000 | 215,345,000 | 196,431,000 | 189,330,000 |
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