Call reports 2008
COMMUNITY SOUTHERN BANK — 2008
What COMMUNITY SOUTHERN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 63,867,000 | 82,040,000 | 97,784,000 | 116,334,000 |
| Total loans | 31,276,000 | 39,281,000 | 46,222,000 | 53,528,000 |
| Allowance for loan losses | 315,000 | 434,000 | 513,000 | 924,000 |
| Securities available for sale | 18,210,000 | 25,241,000 | 36,980,000 | 37,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,744,000 | 58,898,000 | 72,436,000 | 89,021,000 |
| Interest-bearing deposits | 37,811,000 | 51,540,000 | 65,356,000 | 82,512,000 |
| Noninterest-bearing deposits | 4,933,000 | 7,358,000 | 7,080,000 | 6,509,000 |
| Equity capital | 13,248,000 | 12,582,000 | 12,749,000 | 13,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,629,000 | 2,748,000 | 4,068,000 |
| Interest expense | 387,000 | 780,000 | 1,273,000 | 1,866,000 |
| Net interest income | 378,000 | 849,000 | 1,475,000 | 2,202,000 |
| Noninterest income | 24,000 | 116,000 | 81,000 | 121,000 |
| Noninterest expense | 666,000 | 1,387,000 | 2,133,000 | 2,893,000 |
| Provision for loan losses | 45,000 | 164,000 | 243,000 | 654,000 |
| Pretax income | -243,000 | -586,000 | -714,000 | -1,097,000 |
| Income tax | -87,000 | -212,000 | -258,000 | -396,000 |
| Net income | -156,000 | -374,000 | -456,000 | -701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,319,000 | 11,689,000 | 11,696,000 | 11,786,000 |
| Total capital | 12,634,000 | 12,123,000 | 12,209,000 | 12,674,000 |
| Risk-weighted assets | 40,789,000 | 51,283,000 | 61,303,000 | 71,007,000 |
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