Call reports 2011
CORNERSTONE BANK & TRUST, NATIONAL ASSOCIATION — 2011
What CORNERSTONE BANK & TRUST, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Total assets | 143,761,000 | 144,269,000 |
| Total loans | 97,832,000 | 98,113,000 |
| Allowance for loan losses | 1,479,000 | 1,468,000 |
| Securities available for sale | 22,212,000 | 31,620,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 123,767,000 | 123,985,000 |
| Interest-bearing deposits | 104,972,000 | 105,839,000 |
| Noninterest-bearing deposits | 18,795,000 | 18,146,000 |
| Equity capital | 16,194,000 | 16,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Interest income | 1,560,000 | 3,166,000 |
| Interest expense | 369,000 | 742,000 |
| Net interest income | 1,191,000 | 2,424,000 |
| Noninterest income | 256,000 | 419,000 |
| Noninterest expense | 1,108,000 | 2,154,000 |
| Provision for loan losses | 362,000 | 362,000 |
| Pretax income | -23,000 | 331,000 |
| Income tax | -28,000 | 83,000 |
| Net income | 5,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Tier 1 capital | 12,323,000 | 12,373,000 |
| Total capital | 13,692,000 | 13,705,000 |
| Risk-weighted assets | 108,852,000 | 105,657,000 |