Call reports 2012
CORNERSTONE BANK, INC. — 2012
What CORNERSTONE BANK, INC. 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 | 99,664,000 | 102,240,000 | 106,997,000 | 106,068,000 |
| Total loans | 31,215,000 | 32,872,000 | 32,508,000 | 32,428,000 |
| Allowance for loan losses | 323,000 | 323,000 | 323,000 | 324,000 |
| Securities available for sale | 45,286,000 | 56,978,000 | 60,108,000 | 61,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,803,000 | 85,978,000 | 89,711,000 | 89,100,000 |
| Interest-bearing deposits | 61,292,000 | 62,862,000 | 61,990,000 | 66,248,000 |
| Noninterest-bearing deposits | 22,511,000 | 23,116,000 | 27,721,000 | 22,852,000 |
| Equity capital | 14,759,000 | 15,137,000 | 15,851,000 | 15,482,000 |
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 | 906,000 | 1,789,000 | 2,752,000 | 3,729,000 |
| Interest expense | 200,000 | 385,000 | 567,000 | 744,000 |
| Net interest income | 706,000 | 1,404,000 | 2,185,000 | 2,985,000 |
| Noninterest income | 47,000 | 132,000 | 162,000 | 214,000 |
| Noninterest expense | 620,000 | 1,134,000 | 1,657,000 | 2,216,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 133,000 | 402,000 | 995,000 | 1,296,000 |
| Income tax | -17,000 | 12,000 | 159,000 | 259,000 |
| Net income | 150,000 | 390,000 | 836,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,799,000 | 14,039,000 | 14,485,000 | 14,187,000 |
| Total capital | 14,122,000 | 14,362,000 | 14,808,000 | 14,511,000 |
| Risk-weighted assets | 47,591,000 | 47,921,000 | 48,412,000 | 46,336,000 |
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