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 | 80,629,000 | 82,095,000 | 86,963,000 | 88,730,000 |
| Total loans | 65,316,000 | 67,109,000 | 69,721,000 | 70,923,000 |
| Allowance for loan losses | 939,000 | 939,000 | 980,000 | 1,005,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,500,000 | 3,250,000 | 5,250,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,519,000 | 72,877,000 | 77,595,000 | 79,291,000 |
| Interest-bearing deposits | 63,064,000 | 62,808,000 | 68,152,000 | 70,112,000 |
| Noninterest-bearing deposits | 8,455,000 | 10,069,000 | 9,443,000 | 9,179,000 |
| Equity capital | 8,902,000 | 9,031,000 | 9,150,000 | 9,252,000 |
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 | 991,000 | 2,001,000 | 3,071,000 | 4,161,000 |
| Interest expense | 217,000 | 424,000 | 630,000 | 842,000 |
| Net interest income | 774,000 | 1,577,000 | 2,441,000 | 3,319,000 |
| Noninterest income | 80,000 | 218,000 | 327,000 | 438,000 |
| Noninterest expense | 619,000 | 1,348,000 | 2,090,000 | 2,880,000 |
| Provision for loan losses | 43,000 | 43,000 | 84,000 | 109,000 |
| Pretax income | 192,000 | 404,000 | 594,000 | 768,000 |
| Income tax | 65,000 | 137,000 | 208,000 | 287,000 |
| Net income | 127,000 | 267,000 | 386,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,702,000 | 8,928,000 | 9,088,000 | 9,252,000 |
| Total capital | 9,509,000 | 9,754,000 | 9,942,000 | 10,119,000 |
| Risk-weighted assets | 64,461,000 | 65,977,000 | 68,189,000 | 69,268,000 |
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