Call reports 2012
FIRST CORNERSTONE BANK — 2012
What FIRST CORNERSTONE 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 | 161,269,000 | 153,493,000 | 151,651,000 | 147,914,000 |
| Total loans | 106,491,000 | 103,404,000 | 95,585,000 | 85,791,000 |
| Allowance for loan losses | 1,821,000 | 1,716,000 | 1,638,000 | 1,395,000 |
| Securities available for sale | 28,109,000 | 26,608,000 | 20,907,000 | 26,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,774,000 | 145,343,000 | 141,027,000 | 138,916,000 |
| Interest-bearing deposits | 143,946,000 | 139,331,000 | 135,615,000 | 132,890,000 |
| Noninterest-bearing deposits | 5,828,000 | 6,012,000 | 5,412,000 | 6,026,000 |
| Equity capital | 6,130,000 | 5,293,000 | 7,737,000 | 6,194,000 |
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 | 1,710,000 | 3,287,000 | 4,851,000 | 6,376,000 |
| Interest expense | 564,000 | 1,073,000 | 1,527,000 | 1,944,000 |
| Net interest income | 1,146,000 | 2,214,000 | 3,324,000 | 4,432,000 |
| Noninterest income | 14,000 | -7,000 | -24,000 | -1,123,000 |
| Noninterest expense | 1,512,000 | 3,095,000 | 4,744,000 | 6,370,000 |
| Provision for loan losses | 0 | 376,000 | 558,000 | 558,000 |
| Pretax income | -352,000 | -1,264,000 | -1,868,000 | -3,485,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -352,000 | -1,264,000 | -1,868,000 | -3,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,965,000 | 5,053,000 | 7,502,000 | 6,007,000 |
| Total capital | 7,343,000 | 6,388,000 | 8,758,000 | 7,209,000 |
| Risk-weighted assets | 109,790,000 | 106,402,000 | 100,135,000 | 95,937,000 |