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 | 14,068,000 | 24,542,000 | 34,208,000 | 41,639,000 |
| Total loans | 6,703,000 | 15,813,000 | 21,805,000 | 27,263,000 |
| Allowance for loan losses | 80,000 | 189,000 | 263,000 | 333,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 3,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,682,000 | 16,362,000 | 26,132,000 | 33,596,000 |
| Interest-bearing deposits | 5,076,000 | 14,955,000 | 23,816,000 | 30,619,000 |
| Noninterest-bearing deposits | 606,000 | 1,407,000 | 2,316,000 | 2,977,000 |
| Equity capital | 8,352,000 | 8,092,000 | 7,926,000 | 7,765,000 |
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 | 30,000 | 243,000 | 568,000 | 995,000 |
| Interest expense | 12,000 | 67,000 | 179,000 | 337,000 |
| Net interest income | 18,000 | 176,000 | 389,000 | 658,000 |
| Noninterest income | 0 | 46,000 | 92,000 | 138,000 |
| Noninterest expense | 273,000 | 722,000 | 1,167,000 | 1,607,000 |
| Provision for loan losses | 80,000 | 189,000 | 263,000 | 339,000 |
| Pretax income | -335,000 | -689,000 | -949,000 | -1,150,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -335,000 | -689,000 | -949,000 | -1,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,352,000 | 8,092,000 | 7,926,000 | 7,765,000 |
| Total capital | 8,432,000 | 8,281,000 | 8,189,000 | 8,098,000 |
| Risk-weighted assets | 7,246,000 | 15,679,000 | 21,655,000 | 26,771,000 |
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