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 | 122,740,000 | 124,328,000 | 124,258,000 | 128,239,000 |
| Total loans | 110,309,000 | 113,073,000 | 114,019,000 | 114,686,000 |
| Allowance for loan losses | 934,000 | 993,000 | 787,000 | 1,346,000 |
| Securities available for sale | 879,000 | 876,000 | 875,000 | 874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 282,000 | 300,000 | 331,000 | 347,000 |
| Total deposits | 97,322,000 | 102,194,000 | 100,373,000 | 105,444,000 |
| Interest-bearing deposits | 86,400,000 | 90,527,000 | 87,732,000 | 93,042,000 |
| Noninterest-bearing deposits | 10,922,000 | 11,667,000 | 12,641,000 | 12,402,000 |
| Equity capital | 10,474,000 | 10,630,000 | 10,665,000 | 10,462,000 |
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 | 1,618,000 | 3,281,000 | 5,028,000 | 6,696,000 |
| Interest expense | 649,000 | 1,304,000 | 1,924,000 | 2,512,000 |
| Net interest income | 969,000 | 1,977,000 | 3,104,000 | 4,184,000 |
| Noninterest income | 118,000 | 372,000 | 572,000 | 736,000 |
| Noninterest expense | 800,000 | 1,656,000 | 2,557,000 | 3,330,000 |
| Provision for loan losses | 147,000 | 277,000 | 379,000 | 1,007,000 |
| Pretax income | 247,000 | 523,000 | 847,000 | 690,000 |
| Income tax | 82,000 | 174,000 | 289,000 | 214,000 |
| Net income | 165,000 | 349,000 | 558,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,474,000 | 10,630,000 | 10,665,000 | 10,462,000 |
| Total capital | 11,408,000 | 11,623,000 | 11,452,000 | 11,808,000 |
| Risk-weighted assets | 110,370,000 | 104,399,000 | 103,282,000 | 112,037,000 |
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