Call reports 2011
COMMUNITY SOUTHERN BANK — 2011
What COMMUNITY SOUTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 173,100,000 | 184,211,000 | 195,564,000 | 199,073,000 |
| Total loans | 104,272,000 | 105,393,000 | 106,825,000 | 113,720,000 |
| Allowance for loan losses | 1,448,000 | 1,382,000 | 1,468,000 | 1,418,000 |
| Securities available for sale | 28,024,000 | 30,530,000 | 45,909,000 | 61,104,000 |
| Securities held to maturity | 9,697,000 | 9,697,000 | 11,678,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,699,000 | 145,255,000 | 145,372,000 | 147,002,000 |
| Interest-bearing deposits | 120,979,000 | 126,547,000 | 127,860,000 | 128,624,000 |
| Noninterest-bearing deposits | 14,720,000 | 18,708,000 | 17,512,000 | 18,378,000 |
| Equity capital | 16,888,000 | 17,222,000 | 22,979,000 | 23,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,634,000 | 5,596,000 | 7,614,000 |
| Interest expense | 419,000 | 893,000 | 1,397,000 | 1,895,000 |
| Net interest income | 1,314,000 | 2,741,000 | 4,199,000 | 5,719,000 |
| Noninterest income | 133,000 | 228,000 | 333,000 | 464,000 |
| Noninterest expense | 1,256,000 | 2,472,000 | 3,698,000 | 5,072,000 |
| Provision for loan losses | 107,000 | 215,000 | 348,000 | 420,000 |
| Pretax income | 126,000 | 313,000 | 564,000 | 966,000 |
| Income tax | 41,000 | 45,000 | 123,000 | 191,000 |
| Net income | 85,000 | 268,000 | 441,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,465,000 | 16,715,000 | 22,611,000 | 22,975,000 |
| Total capital | 17,913,000 | 18,097,000 | 24,079,000 | 24,393,000 |
| Risk-weighted assets | 125,846,000 | 126,444,000 | 132,006,000 | 138,539,000 |