Call reports 2009
CORNERSTONE NATIONAL BANK — 2009
What CORNERSTONE NATIONAL 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 | 180,895,000 | 180,376,000 | 191,521,000 | 188,976,000 |
| Total loans | 136,937,000 | 140,984,000 | 140,489,000 | 137,763,000 |
| Allowance for loan losses | 1,701,000 | 2,189,000 | 2,043,000 | 2,695,000 |
| Securities available for sale | 20,680,000 | 19,504,000 | 24,497,000 | 28,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,196,000 | 145,531,000 | 154,145,000 | 152,476,000 |
| Interest-bearing deposits | 133,375,000 | 134,093,000 | 141,965,000 | 141,241,000 |
| Noninterest-bearing deposits | 11,822,000 | 11,439,000 | 12,180,000 | 11,235,000 |
| Equity capital | 19,031,000 | 18,896,000 | 18,664,000 | 18,047,000 |
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 | 1,992,000 | 4,006,000 | 5,998,000 | 8,039,000 |
| Interest expense | 900,000 | 1,766,000 | 2,600,000 | 3,428,000 |
| Net interest income | 1,092,000 | 2,240,000 | 3,398,000 | 4,611,000 |
| Noninterest income | 200,000 | 431,000 | 660,000 | 830,000 |
| Noninterest expense | 1,134,000 | 2,341,000 | 3,619,000 | 4,764,000 |
| Provision for loan losses | 160,000 | 1,080,000 | 2,025,000 | 2,955,000 |
| Pretax income | 50,000 | -698,000 | -1,534,000 | -1,979,000 |
| Income tax | -7,000 | -288,000 | -590,000 | -770,000 |
| Net income | 57,000 | -410,000 | -944,000 | -1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,743,000 | 18,589,000 | 18,120,000 | 17,886,000 |
| Total capital | 20,444,000 | 20,522,000 | 20,038,000 | 19,828,000 |
| Risk-weighted assets | 149,857,000 | 154,394,000 | 153,294,000 | 153,993,000 |
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