Call reports 2012
CORNERSTONE NATIONAL BANK — 2012
What CORNERSTONE NATIONAL 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 | 158,280,000 | 161,217,000 | 156,904,000 | 151,344,000 |
| Total loans | 93,747,000 | 93,149,000 | 90,463,000 | 86,772,000 |
| Allowance for loan losses | 2,094,000 | 2,044,000 | 2,017,000 | 1,902,000 |
| Securities available for sale | 29,163,000 | 29,125,000 | 30,167,000 | 31,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,671,000 | 136,294,000 | 131,865,000 | 126,424,000 |
| Interest-bearing deposits | 119,451,000 | 119,338,000 | 116,240,000 | 113,063,000 |
| Noninterest-bearing deposits | 14,220,000 | 16,956,000 | 15,625,000 | 13,361,000 |
| Equity capital | 16,950,000 | 17,190,000 | 17,176,000 | 17,079,000 |
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 | 1,532,000 | 3,037,000 | 4,551,000 | 6,023,000 |
| Interest expense | 333,000 | 643,000 | 931,000 | 1,194,000 |
| Net interest income | 1,199,000 | 2,394,000 | 3,620,000 | 4,829,000 |
| Noninterest income | 147,000 | 338,000 | 48,000 | 118,000 |
| Noninterest expense | 1,317,000 | 2,557,000 | 3,521,000 | 4,712,000 |
| Provision for loan losses | 135,000 | 345,000 | 470,000 | 470,000 |
| Pretax income | -106,000 | 0 | -117,000 | 73,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -106,000 | 0 | -117,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,446,000 | 16,559,000 | 16,450,000 | 16,648,000 |
| Total capital | 17,975,000 | 18,054,000 | 17,899,000 | 18,061,000 |
| Risk-weighted assets | 121,013,000 | 118,303,000 | 114,615,000 | 111,776,000 |