Cornerstone Bank, National Association Financial Statements & Health Reports

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Vitals

ROAA

.656

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Cornerstone Bank, National Association	All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets	128,349	858,303
Total Net Loans	104,101	607,607
Total Deposits	113,876	699,932
Total Equity	14,251	97,657
Profitability
Net Income	820	7,896
Return on Average Assets	.656	.794
Return on Average Equity	5.952	6.983
Net Interest Margin	4.186	3.805
Efficiency Ratio	74.612	71.157
Noninterest Income/Revenue	8.807	16.327
Balance Sheet Ratios
Loan-to-Deposit	91.416	84.705
Securities/Assets	.08	.136
Total Equity/Total Assets	.111	.114
Tangible Equity/Tangible Assets	.111	.103
Capital Adequacy
Tier 1 Common Capital	14,251	87,521
Tier 1 Capital	14,251	87,589
Tier 2 Capital	1,262	6,159
Total Capital	15,513	93,977
Total Risk Weighted Assets	100,762	657,024
Leverage Ratio	11.15	10.765
Common Equity Tier 1 Capital Ratio	14.14	14.768
Tier 1 Capital Ratio	14.14	14.769
Total Capital Ratio	15.4	15.893

Cornerstone Bank, National Association was established 15 years ago and is currently headquartered in Lexington, VA.

Feb 17 2009

Relationships	Role	Relationship Start	Relationship End

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