Call reports 2009
CORNERSTONE BANK, INC. — 2009
What CORNERSTONE BANK, INC. 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 | 77,950,000 | 78,900,000 | 83,817,000 | 83,871,000 |
| Total loans | 31,789,000 | 32,648,000 | 33,046,000 | 34,329,000 |
| Allowance for loan losses | 283,000 | 281,000 | 278,000 | 274,000 |
| Securities available for sale | 31,839,000 | 29,757,000 | 33,395,000 | 35,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,380,000 | 66,276,000 | 70,495,000 | 70,915,000 |
| Interest-bearing deposits | 47,082,000 | 48,101,000 | 52,555,000 | 53,327,000 |
| Noninterest-bearing deposits | 18,298,000 | 18,175,000 | 17,940,000 | 17,588,000 |
| Equity capital | 12,087,000 | 12,146,000 | 12,793,000 | 12,441,000 |
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 | 860,000 | 1,736,000 | 2,637,000 | 3,588,000 |
| Interest expense | 298,000 | 605,000 | 946,000 | 1,268,000 |
| Net interest income | 562,000 | 1,131,000 | 1,691,000 | 2,320,000 |
| Noninterest income | 44,000 | 116,000 | 195,000 | 260,000 |
| Noninterest expense | 506,000 | 959,000 | 1,426,000 | 1,985,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 288,000 | 460,000 | 597,000 |
| Income tax | 9,000 | 12,000 | 14,000 | 11,000 |
| Net income | 91,000 | 276,000 | 446,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,085,000 | 12,270,000 | 12,440,000 | 12,455,000 |
| Total capital | 12,368,000 | 12,551,000 | 12,718,000 | 12,729,000 |
| Risk-weighted assets | 40,907,000 | 43,049,000 | 44,238,000 | 45,570,000 |
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