Call reports 2012
CORNERSTONE STATE BANK — 2012
What CORNERSTONE STATE 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 | 118,826,000 | 118,683,000 | 122,175,000 | 122,950,000 |
| Total loans | 82,136,000 | 82,875,000 | 81,802,000 | 81,948,000 |
| Allowance for loan losses | 1,892,000 | 1,705,000 | 1,671,000 | 1,736,000 |
| Securities available for sale | 21,739,000 | 21,274,000 | 21,931,000 | 23,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,524,000 | 106,018,000 | 109,148,000 | 109,945,000 |
| Interest-bearing deposits | 94,883,000 | 94,664,000 | 97,063,000 | 97,199,000 |
| Noninterest-bearing deposits | 11,641,000 | 11,354,000 | 12,085,000 | 12,746,000 |
| Equity capital | 11,878,000 | 12,147,000 | 12,469,000 | 12,539,000 |
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 | 1,525,000 | 2,964,000 | 4,371,000 | 5,815,000 |
| Interest expense | 202,000 | 395,000 | 574,000 | 740,000 |
| Net interest income | 1,323,000 | 2,569,000 | 3,797,000 | 5,075,000 |
| Noninterest income | 170,000 | 290,000 | 376,000 | 491,000 |
| Noninterest expense | 828,000 | 1,678,000 | 2,465,000 | 3,454,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 545,000 | 941,000 | 1,348,000 | 1,632,000 |
| Income tax | 150,000 | 300,000 | 450,000 | 600,000 |
| Net income | 395,000 | 641,000 | 898,000 | 1,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,978,000 | 11,240,000 | 11,514,000 | 11,665,000 |
| Total capital | 12,262,000 | 12,548,000 | 12,995,000 | 13,051,000 |
| Risk-weighted assets | 102,086,000 | 104,254,000 | 118,283,000 | 110,535,000 |