Call reports 2009
COMMUNITY SOUTHERN BANK — 2009
What COMMUNITY SOUTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 145,225,000 | 162,424,000 | 175,598,000 | 163,524,000 |
| Total loans | 59,413,000 | 62,236,000 | 68,782,000 | 77,670,000 |
| Allowance for loan losses | 810,000 | 914,000 | 1,007,000 | 1,176,000 |
| Securities available for sale | 45,996,000 | 47,256,000 | 46,971,000 | 31,676,000 |
| Securities held to maturity | 900,000 | 8,542,000 | 9,354,000 | 9,354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,056,000 | 132,638,000 | 145,708,000 | 125,604,000 |
| Interest-bearing deposits | 103,789,000 | 122,664,000 | 135,558,000 | 112,360,000 |
| Noninterest-bearing deposits | 8,267,000 | 9,974,000 | 10,150,000 | 13,244,000 |
| Equity capital | 13,293,000 | 12,967,000 | 13,565,000 | 13,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 3,078,000 | 4,820,000 | 6,489,000 |
| Interest expense | 705,000 | 1,432,000 | 2,153,000 | 2,770,000 |
| Net interest income | 752,000 | 1,646,000 | 2,667,000 | 3,719,000 |
| Noninterest income | 46,000 | 100,000 | 146,000 | 203,000 |
| Noninterest expense | 819,000 | 1,784,000 | 2,675,000 | 3,770,000 |
| Provision for loan losses | 87,000 | 186,000 | 279,000 | 448,000 |
| Pretax income | 322,000 | 357,000 | 467,000 | 624,000 |
| Income tax | 122,000 | 127,000 | 149,000 | 179,000 |
| Net income | 200,000 | 230,000 | 318,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,959,000 | 12,357,000 | 12,556,000 | 12,844,000 |
| Total capital | 12,769,000 | 13,271,000 | 13,563,000 | 14,020,000 |
| Risk-weighted assets | 81,932,000 | 87,996,000 | 89,645,000 | 98,648,000 |
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