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 | 87,909,000 | 86,310,000 | 88,136,000 | 91,139,000 |
| Total loans | 37,612,000 | 40,661,000 | 43,405,000 | 45,810,000 |
| Allowance for loan losses | 615,000 | 607,000 | 560,000 | 692,000 |
| Securities available for sale | 30,410,000 | 30,725,000 | 28,718,000 | 28,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,539,000 | 75,783,000 | 76,896,000 | 80,347,000 |
| Interest-bearing deposits | 62,517,000 | 61,468,000 | 62,852,000 | 66,521,000 |
| Noninterest-bearing deposits | 15,022,000 | 14,315,000 | 14,044,000 | 13,826,000 |
| Equity capital | 8,256,000 | 8,369,000 | 8,856,000 | 8,649,000 |
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 | 1,033,000 | 2,071,000 | 3,150,000 | 4,248,000 |
| Interest expense | 277,000 | 541,000 | 805,000 | 1,069,000 |
| Net interest income | 756,000 | 1,530,000 | 2,345,000 | 3,179,000 |
| Noninterest income | 245,000 | 521,000 | 772,000 | 1,014,000 |
| Noninterest expense | 795,000 | 1,641,000 | 2,484,000 | 3,338,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 206,000 | 410,000 | 633,000 | 708,000 |
| Income tax | 38,000 | 68,000 | 111,000 | 63,000 |
| Net income | 168,000 | 342,000 | 522,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,065,000 | 9,239,000 | 9,419,000 | 9,432,000 |
| Total capital | 9,680,000 | 9,846,000 | 9,979,000 | 10,124,000 |
| Risk-weighted assets | 53,737,000 | 55,666,000 | 58,017,000 | 59,239,000 |
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