Call reports 2012
CORNERSTONE COMMUNITY BANK — 2012
What CORNERSTONE COMMUNITY 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 | 416,068,000 | 420,080,000 | 424,343,000 | 440,047,000 |
| Total loans | 262,788,000 | 263,749,000 | 273,820,000 | 276,992,000 |
| Allowance for loan losses | 6,024,000 | 6,029,000 | 5,280,000 | 6,141,000 |
| Securities available for sale | 88,250,000 | 86,538,000 | 82,191,000 | 76,097,000 |
| Securities held to maturity | 63,000 | 57,000 | 51,000 | 45,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,912,000 | 323,983,000 | 331,532,000 | 347,238,000 |
| Interest-bearing deposits | 268,316,000 | 278,733,000 | 285,750,000 | 284,827,000 |
| Noninterest-bearing deposits | 49,596,000 | 45,250,000 | 45,782,000 | 62,412,000 |
| Equity capital | 35,711,000 | 36,375,000 | 36,926,000 | 37,417,000 |
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 | 4,625,000 | 9,443,000 | 14,178,000 | 19,354,000 |
| Interest expense | 1,261,000 | 2,433,000 | 3,568,000 | 4,615,000 |
| Net interest income | 3,364,000 | 7,010,000 | 10,610,000 | 14,739,000 |
| Noninterest income | 330,000 | 422,000 | 770,000 | 1,222,000 |
| Noninterest expense | 3,053,000 | 6,170,000 | 9,379,000 | 12,944,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 430,000 |
| Pretax income | 641,000 | 1,262,000 | 1,901,000 | 2,587,000 |
| Income tax | 201,000 | 393,000 | 593,000 | 811,000 |
| Net income | 440,000 | 869,000 | 1,308,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,081,000 | 33,849,000 | 34,670,000 | 35,132,000 |
| Total capital | 36,638,000 | 37,449,000 | 38,430,000 | 38,930,000 |
| Risk-weighted assets | 282,052,000 | 285,597,000 | 299,260,000 | 301,536,000 |