Call reports 2007
COMMUNITY SOUTHERN BANK — 2007
What COMMUNITY SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,593,000 | 36,504,000 | 42,796,000 | 52,511,000 |
| Total loans | 10,449,000 | 14,790,000 | 19,267,000 | 26,941,000 |
| Allowance for loan losses | 132,000 | 185,000 | 241,000 | 270,000 |
| Securities available for sale | 7,475,000 | 11,927,000 | 17,738,000 | 16,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,282,000 | 22,300,000 | 27,079,000 | 34,721,000 |
| Interest-bearing deposits | 15,615,000 | 20,357,000 | 24,737,000 | 29,601,000 |
| Noninterest-bearing deposits | 667,000 | 1,943,000 | 2,342,000 | 5,120,000 |
| Equity capital | 13,661,000 | 13,417,000 | 13,334,000 | 13,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 830,000 | 1,398,000 | 2,068,000 |
| Interest expense | 112,000 | 332,000 | 612,000 | 942,000 |
| Net interest income | 245,000 | 498,000 | 786,000 | 1,126,000 |
| Noninterest income | 4,000 | 14,000 | 29,000 | 54,000 |
| Noninterest expense | 404,000 | 919,000 | 1,521,000 | 2,063,000 |
| Provision for loan losses | 49,000 | 102,000 | 158,000 | 187,000 |
| Pretax income | -204,000 | -509,000 | -864,000 | -984,000 |
| Income tax | -77,000 | -190,000 | -320,000 | -361,000 |
| Net income | -127,000 | -319,000 | -544,000 | -623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,248,000 | 12,915,000 | 12,582,000 | 12,510,000 |
| Total capital | 13,380,000 | 13,100,000 | 12,823,000 | 12,780,000 |
| Risk-weighted assets | 18,028,000 | 23,059,000 | 27,500,000 | 36,597,000 |
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