Call reports 2009
CORNERSTONE COMMUNITY BANK — 2009
What CORNERSTONE COMMUNITY 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 | 477,024,000 | 461,160,000 | 505,979,000 | 529,568,000 |
| Total loans | 378,290,000 | 360,615,000 | 349,050,000 | 336,462,000 |
| Allowance for loan losses | 12,703,000 | 7,383,000 | 7,398,000 | 5,905,000 |
| Securities available for sale | 51,272,000 | 45,699,000 | 59,134,000 | 124,415,000 |
| Securities held to maturity | 162,000 | 154,000 | 141,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,632,000 | 337,400,000 | 386,167,000 | 405,362,000 |
| Interest-bearing deposits | 301,242,000 | 294,893,000 | 345,293,000 | 362,770,000 |
| Noninterest-bearing deposits | 49,390,000 | 42,506,000 | 40,874,000 | 42,592,000 |
| Equity capital | 34,465,000 | 34,581,000 | 33,211,000 | 29,791,000 |
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 | 6,775,000 | 13,139,000 | 19,546,000 | 26,155,000 |
| Interest expense | 2,851,000 | 5,568,000 | 8,280,000 | 10,970,000 |
| Net interest income | 3,924,000 | 7,571,000 | 11,266,000 | 15,185,000 |
| Noninterest income | 264,000 | 524,000 | 708,000 | 142,000 |
| Noninterest expense | 2,861,000 | 5,891,000 | 9,091,000 | 13,006,000 |
| Provision for loan losses | 5,725,000 | 7,375,000 | 10,765,000 | 14,915,000 |
| Pretax income | -4,398,000 | -4,777,000 | -7,487,000 | -12,194,000 |
| Income tax | -1,708,000 | -1,890,000 | -2,981,000 | -4,821,000 |
| Net income | -2,690,000 | -2,887,000 | -4,506,000 | -7,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,147,000 | 34,527,000 | 32,172,000 | 29,487,000 |
| Total capital | 39,099,000 | 39,232,000 | 36,836,000 | 33,963,000 |
| Risk-weighted assets | 388,380,000 | 373,682,000 | 370,399,000 | 356,655,000 |
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