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 | 97,318,000 | 102,825,000 | 106,945,000 | 111,692,000 |
| Total loans | 63,812,000 | 68,795,000 | 72,813,000 | 74,612,000 |
| Allowance for loan losses | 1,246,000 | 1,325,000 | 1,469,000 | 1,460,000 |
| Securities available for sale | 27,132,000 | 26,129,000 | 28,672,000 | 27,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,394,000 | 91,397,000 | 94,245,000 | 99,653,000 |
| Interest-bearing deposits | 72,606,000 | 78,749,000 | 79,141,000 | 77,287,000 |
| Noninterest-bearing deposits | 12,789,000 | 12,648,000 | 15,104,000 | 22,366,000 |
| Equity capital | 10,395,000 | 10,871,000 | 11,421,000 | 11,791,000 |
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 | 1,172,000 | 2,536,000 | 3,778,000 | 5,055,000 |
| Interest expense | 177,000 | 359,000 | 538,000 | 708,000 |
| Net interest income | 995,000 | 2,177,000 | 3,240,000 | 4,347,000 |
| Noninterest income | 115,000 | 237,000 | 691,000 | 859,000 |
| Noninterest expense | 915,000 | 1,855,000 | 2,832,000 | 3,806,000 |
| Provision for loan losses | 0 | 135,000 | 285,000 | 285,000 |
| Pretax income | 195,000 | 424,000 | 814,000 | 1,115,000 |
| Income tax | -24,000 | -48,000 | -72,000 | -96,000 |
| Net income | 219,000 | 472,000 | 886,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,005,000 | 10,383,000 | 10,847,000 | 11,227,000 |
| Total capital | 10,935,000 | 11,383,000 | 11,882,000 | 12,288,000 |
| Risk-weighted assets | 74,050,000 | 79,671,000 | 82,345,000 | 84,455,000 |