Call reports 2012
CORNERSTONE BANK — 2012
What CORNERSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 177,651,000 | 173,068,000 | 176,961,000 | 169,642,000 |
| Total loans | 117,658,000 | 113,728,000 | 112,625,000 | 109,928,000 |
| Allowance for loan losses | 5,630,000 | 5,417,000 | 4,874,000 | 4,384,000 |
| Securities available for sale | 27,686,000 | 28,322,000 | 26,730,000 | 30,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,941,000 | 105,853,000 | 105,676,000 | 105,638,000 |
| Interest-bearing deposits | 88,289,000 | 84,912,000 | 80,928,000 | 77,705,000 |
| Noninterest-bearing deposits | 21,652,000 | 20,941,000 | 24,748,000 | 27,933,000 |
| Equity capital | 14,669,000 | 14,745,000 | 15,012,000 | 14,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,865,000 | 3,652,000 | 5,412,000 | 7,022,000 |
| Interest expense | 686,000 | 1,352,000 | 2,010,000 | 2,680,000 |
| Net interest income | 1,179,000 | 2,300,000 | 3,402,000 | 4,342,000 |
| Noninterest income | -128,000 | -96,000 | 171,000 | 79,000 |
| Noninterest expense | 975,000 | 2,161,000 | 3,392,000 | 4,543,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 120,000 | 420,000 | 132,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 96,000 | 120,000 | 420,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,379,000 | 14,403,000 | 14,702,000 | 14,415,000 |
| Total capital | 16,046,000 | 16,021,000 | 16,342,000 | 16,048,000 |
| Risk-weighted assets | 129,421,000 | 125,783,000 | 127,969,000 | 127,895,000 |