Cornerstone National Bank Financial Statements & Health Reports

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ROAA

.587

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Cornerstone National Bank	All Insured Commercial Banks in South Carolina
Balance Sheet $(000)
Total Assets	146,029	396,146
Total Net Loans	71,478	246,095
Total Deposits	126,114	337,242
Total Equity	19,393	39,753
Profitability
Net Income	864	2,936
Return on Average Assets	.587	.658
Return on Average Equity	4.455	6.043
Net Interest Margin	3.342	3.683
Efficiency Ratio	80.959	77.076
Noninterest Income/Revenue	13.055	19.526
Balance Sheet Ratios
Loan-to-Deposit	56.677	72.161
Securities/Assets	.3	.198
Total Equity/Total Assets	.133	.1
Tangible Equity/Tangible Assets	.133	.099
Capital Adequacy
Tier 1 Common Capital	19,527	39,215
Tier 1 Capital	19,527	39,215
Tier 2 Capital	1,030	2,972
Total Capital	20,557	42,275
Total Risk Weighted Assets	89,647	268,714
Leverage Ratio	13.37	10.143
Common Equity Tier 1 Capital Ratio	21.78	15.311
Tier 1 Capital Ratio	21.78	15.311
Total Capital Ratio	22.93	16.421

Cornerstone National Bank was established 24 years ago and is currently headquartered in Easley, SC.

Sep 15 1999

Cornerstone Bancorp became a new parent organization for Cornerstone National Bank.

View Profile Sep 15 1999

Relationships	Role	Relationship Start	Relationship End
Cornerstone Bancorp	Parent	9/15/1999

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