Cornerstone Bank
Moorestown, NJ — Non-member Bank
Active
Vitals
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Total Assets243.3M 0.7 %
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Total Deposits225.2M -0.5 %
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Total Net Loans159.9M 19.9 %
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Net Income-413000.0000 82.1 %
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Book Value15.3M 24.3 %
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Book Value x230.6M 24.3 %
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Book Value x345.8M 24.3 %
Balance Sheet Highlights
| Financial Highlights | Cornerstone Bank | All Insured Commercial Banks in New Jersey |
| Balance Sheet $(000) | ||
| Total Assets | 243,284 | 941,236 |
| Total Net Loans | 159,867 | 666,560 |
| Total Deposits | 225,241 | 782,459 |
| Total Equity | 15,278 | 105,130 |
| Profitability | ||
| Net Income | -413 | 8,451 |
| Return on Average Assets | -.165 | .672 |
| Return on Average Equity | -2.784 | 6.44 |
| Net Interest Margin | 3.089 | 3.432 |
| Efficiency Ratio | 105.155 | 74.417 |
| Noninterest Income/Revenue | 7.301 | 18.002 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 70.976 | 86.355 |
| Securities/Assets | .223 | .113 |
| Total Equity/Total Assets | .063 | .112 |
| Tangible Equity/Tangible Assets | .063 | .102 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 15,239 | 95,604 |
| Tier 1 Capital | 15,239 | 95,771 |
| Tier 2 Capital | 2,662 | 8,179 |
| Total Capital | 17,901 | 103,980 |
| Total Risk Weighted Assets | 174,984 | 734,206 |
| Leverage Ratio | 6.15 | 9.818 |
| Common Equity Tier 1 Capital Ratio | 8.71 | 13.154 |
| Tier 1 Capital Ratio | 8.71 | 13.207 |
| Total Capital Ratio | 10.23 | 14.399 |
Timeline for Cornerstone Bank
Cornerstone Financial Corporation
Cornerstone Financial Corporation became a new parent organization for Cornerstone Bank.
View Profile Jan 30 2009
Financial Junk, L.L.C.
Financial Junk, L.L.C. became a new parent organization for Cornerstone Bank.
View Profile Jul 31 2008
Spence Limited, L.P.
Spence Limited, L.P. became a new parent organization for Cornerstone Bank.
View Profile Jul 31 2008
Black River Bancventure, Inc.
Black River Bancventure, Inc. became a new parent organization for Cornerstone Bank.
View Profile Jul 31 2008
Cornerstone Realty Holdings Inc
Cornerstone Realty Holdings Inc became a new subsidiary organization for Cornerstone Bank.
View Profile Apr 26 2005
| Relationships | Role | Relationship Start | Relationship End |
| Cornerstone Financial Corporation | Parent | 1/30/2009 | |
| Black River Bancventure, Inc. | Parent | 12/31/2008 | 1/29/2009 |
| Financial Junk, L.L.C. | Parent | 7/31/2008 | 1/29/2009 |
| Spence Limited, L.P. | Parent | 7/31/2008 | 1/29/2009 |
| Black River Bancventure, Inc. | Parent | 11/4/2008 | 12/30/2008 |
| Black River Bancventure, Inc. | Parent | 9/29/2008 | 11/3/2008 |
| Black River Bancventure, Inc. | Parent | 7/31/2008 | 9/28/2008 |
| Cornerstone Realty Holdings Inc | Subsidary | 6/30/2007 | |
| Cornerstone Realty Holdings Inc | Subsidary | 4/26/2005 | 6/29/2007 |
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