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 | 122,443,000 | 123,706,000 | 124,174,000 | 128,452,000 |
| Total loans | 108,971,000 | 108,738,000 | 106,310,000 | 112,973,000 |
| Allowance for loan losses | 1,107,000 | 1,374,000 | 1,468,000 | 1,341,000 |
| Securities available for sale | 1,139,000 | 1,100,000 | 1,059,000 | 1,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 435,000 | 420,000 | 432,000 | 444,000 |
| Total deposits | 106,967,000 | 108,098,000 | 110,035,000 | 114,258,000 |
| Interest-bearing deposits | 89,842,000 | 89,924,000 | 91,045,000 | 93,952,000 |
| Noninterest-bearing deposits | 17,125,000 | 18,174,000 | 18,990,000 | 20,306,000 |
| Equity capital | 11,357,000 | 11,489,000 | 11,640,000 | 11,603,000 |
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 | 1,578,000 | 3,130,000 | 4,678,000 | 6,186,000 |
| Interest expense | 264,000 | 487,000 | 696,000 | 884,000 |
| Net interest income | 1,314,000 | 2,643,000 | 3,982,000 | 5,302,000 |
| Noninterest income | 214,000 | 412,000 | 685,000 | 1,044,000 |
| Noninterest expense | 868,000 | 1,683,000 | 2,638,000 | 3,651,000 |
| Provision for loan losses | 230,000 | 555,000 | 780,000 | 1,095,000 |
| Pretax income | 430,000 | 817,000 | 1,249,000 | 1,600,000 |
| Income tax | 157,000 | 298,000 | 460,000 | 587,000 |
| Net income | 273,000 | 519,000 | 789,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,308,000 | 11,434,000 | 11,584,000 | 11,552,000 |
| Total capital | 12,440,000 | 12,757,000 | 12,878,000 | 12,893,000 |
| Risk-weighted assets | 106,111,000 | 105,843,000 | 103,329,000 | 110,078,000 |
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