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 | 766,247,000 | 782,475,000 | 812,354,000 | 859,935,000 |
| Total loans | 507,922,000 | 544,266,000 | 550,034,000 | 552,610,000 |
| Allowance for loan losses | 5,614,000 | 6,013,000 | 6,071,000 | 6,294,000 |
| Securities available for sale | 43,705,000 | 39,288,000 | 47,411,000 | 62,031,000 |
| Securities held to maturity | 129,450,000 | 116,572,000 | 107,821,000 | 111,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 685,337,000 | 696,573,000 | 730,892,000 | 757,215,000 |
| Interest-bearing deposits | 553,733,000 | 571,397,000 | 590,708,000 | 592,008,000 |
| Noninterest-bearing deposits | 131,604,000 | 125,176,000 | 140,184,000 | 165,207,000 |
| Equity capital | 61,476,000 | 62,496,000 | 64,656,000 | 65,698,000 |
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 | 9,336,000 | 19,154,000 | 29,552,000 | 39,895,000 |
| Interest expense | 2,985,000 | 5,960,000 | 8,907,000 | 11,656,000 |
| Net interest income | 6,351,000 | 13,194,000 | 20,645,000 | 28,239,000 |
| Noninterest income | 2,587,000 | 5,343,000 | 8,160,000 | 10,951,000 |
| Noninterest expense | 6,530,000 | 13,269,000 | 20,532,000 | 27,107,000 |
| Provision for loan losses | 59,000 | 479,000 | 539,000 | 1,000,000 |
| Pretax income | 2,349,000 | 4,789,000 | 7,734,000 | 11,083,000 |
| Income tax | 80,000 | 161,000 | 246,000 | 333,000 |
| Net income | 2,269,000 | 4,628,000 | 7,488,000 | 10,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,087,000 | 55,592,000 | 57,525,000 | 59,855,000 |
| Total capital | 59,701,000 | 61,605,000 | 63,597,000 | 66,149,000 |
| Risk-weighted assets | 556,651,000 | 588,815,000 | 600,078,000 | 611,752,000 |
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