Call reports 2012
CORNERSTONE BANK, THE — 2012
What CORNERSTONE BANK, THE 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 | 126,642,000 | 124,814,000 | 121,336,000 | 122,260,000 |
| Total loans | 83,285,000 | 84,115,000 | 83,057,000 | 82,840,000 |
| Allowance for loan losses | 1,699,000 | 1,748,000 | 1,859,000 | 1,731,000 |
| Securities available for sale | 30,719,000 | 30,143,000 | 28,054,000 | 28,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,146,000 | 110,742,000 | 106,954,000 | 108,285,000 |
| Interest-bearing deposits | 97,351,000 | 94,811,000 | 91,432,000 | 92,942,000 |
| Noninterest-bearing deposits | 15,795,000 | 15,931,000 | 15,522,000 | 15,343,000 |
| Equity capital | 13,240,000 | 13,762,000 | 13,989,000 | 13,799,000 |
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 | 1,898,000 | 3,834,000 | 5,701,000 | 7,539,000 |
| Interest expense | 262,000 | 492,000 | 704,000 | 904,000 |
| Net interest income | 1,636,000 | 3,342,000 | 4,997,000 | 6,635,000 |
| Noninterest income | 109,000 | 168,000 | 156,000 | 229,000 |
| Noninterest expense | 1,145,000 | 2,374,000 | 3,467,000 | 5,049,000 |
| Provision for loan losses | 135,000 | 320,000 | 495,000 | 630,000 |
| Pretax income | 465,000 | 816,000 | 1,191,000 | 1,185,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 465,000 | 816,000 | 1,191,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,950,000 | 13,302,000 | 13,477,000 | 13,271,000 |
| Total capital | 13,974,000 | 14,319,000 | 14,465,000 | 14,265,000 |
| Risk-weighted assets | 81,241,000 | 80,597,000 | 78,180,000 | 78,761,000 |