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 | 244,072,000 | 249,674,000 | 243,486,000 | 237,543,000 |
| Total loans | 175,355,000 | 170,681,000 | 169,426,000 | 161,553,000 |
| Allowance for loan losses | 4,360,000 | 3,783,000 | 3,212,000 | 2,399,000 |
| Securities available for sale | 23,461,000 | 26,925,000 | 29,864,000 | 28,306,000 |
| Securities held to maturity | 323,000 | 321,000 | 312,000 | 283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,192,000 | 220,503,000 | 213,824,000 | 207,791,000 |
| Interest-bearing deposits | 151,137,000 | 176,023,000 | 165,619,000 | 158,514,000 |
| Noninterest-bearing deposits | 64,055,000 | 44,480,000 | 48,205,000 | 49,277,000 |
| Equity capital | 23,905,000 | 24,063,000 | 24,484,000 | 24,533,000 |
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 | 2,409,000 | 4,674,000 | 6,973,000 | 9,177,000 |
| Interest expense | 481,000 | 916,000 | 1,269,000 | 1,557,000 |
| Net interest income | 1,928,000 | 3,758,000 | 5,704,000 | 7,620,000 |
| Noninterest income | 209,000 | 406,000 | 488,000 | 653,000 |
| Noninterest expense | 1,951,000 | 3,796,000 | 5,609,000 | 7,549,000 |
| Provision for loan losses | 126,000 | 126,000 | 126,000 | 37,000 |
| Pretax income | 136,000 | 395,000 | 610,000 | 919,000 |
| Income tax | -9,000 | 35,000 | 64,000 | 133,000 |
| Net income | 145,000 | 360,000 | 546,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,272,000 | 19,514,000 | 19,841,000 | 19,751,000 |
| Total capital | 21,515,000 | 21,687,000 | 22,047,000 | 21,879,000 |
| Risk-weighted assets | 177,311,000 | 171,823,000 | 175,471,000 | 169,957,000 |