Liquidity and Capital Resources

12 Months Ended

Dec. 31, 2012

Liquidity and Capital Resources [Abstract]

Liquidity and Capital Resources [Text Block]

Note 16. Liquidity and Capital Resources

Cornerstone’s primary source of funds with which to pay its future obligations is the receipt of dividends from its subsidiary Bank. Banking regulations provide that the Bank must maintain capital sufficient to enable it to operate as a viable institution and, as a result, has limited the amount of dividends the Bank may pay without prior approval.