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Minimum Regulatory Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2014
Banking and Thrift [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]
As of December 31, 2014, the most recent notification from the Federal Deposit Insurance Corporation (FDIC) categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total-risk based, Tier I risk-based, and Tier I leverage ratios as set forth in the following tables. There are no conditions or events since that notification that management believes have changed the Bank's prompt corrective action category. Cornerstone’s and the Bank's capital amounts and ratios are also presented in the table. Dollar amounts are presented in thousands.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
To be Well
Capitalized Under
 
 
 
 
 
 
 
 
 
For Capital
 
Prompt Corrective
 
 
 
Actual
 
Adequacy Purposes
 
Action Provisions
 
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
As of December 31, 2014:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk-weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
36,107
 
 
11.6
%
$
24,817
 
 
8.0
%
 
N/A
 
 
N/A
 
Cornerstone Community Bank
 
 
41,670
 
 
13.5
%
 
24,784
 
 
8.0
%
$
30,981
 
 
10.0
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier I capital to risk-weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
32,612
 
 
10.5
%
 
12,408
 
 
4.0
%
 
N/A
 
 
N/A
 
Cornerstone Community Bank
 
 
38,175
 
 
12.3
%
 
12,392
 
 
4.0
%
 
18,588
 
 
6.0
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier I capital to average assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
32,612
 
 
8.0
%
 
16,304
 
 
4.0
%
 
N/A
 
 
N/A
 
Cornerstone Community Bank
 
 
38,175
 
 
9.4
%
 
16,287
 
 
4.0
%
 
20,359
 
 
5.0
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
To be Well
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Capitalized Under
 
 
 
 
 
 
 
 
 
For Capital
 
Prompt Corrective
 
 
 
Actual
 
Adequacy Purposes
 
Action Provisions
 
 
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2013:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total capital to risk-weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
$
34,820
 
 
11.3
%
$
24,634
 
 
8.0
%
 
N/A
 
 
N/A
 
Cornerstone Community Bank
 
 
39,342
 
 
12.8
%
 
24,552
 
 
8.0
%
$
30,691
 
 
10.0
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier I capital to risk-weighted assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
31,617
 
 
10.3
%
 
12,317
 
 
4.0
%
 
N/A
 
 
N/A
 
Cornerstone Community Bank
 
 
36,139
 
 
11.8
%
 
12,276
 
 
4.0
%
 
18,414
 
 
6.0
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tier I capital to average assets:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consolidated
 
 
31,617
 
 
7.5
%
 
16,885
 
 
4.0
%
 
N/A
 
 
N/A
 
Cornerstone Community Bank
 
 
36,139
 
 
8.6
%
 
16,870
 
 
4.0
%
 
21,087
 
 
5.0
%