Call reports 2012
COMMUNITY SOUTHERN BANK — 2012
What COMMUNITY SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 206,149,000 | 220,859,000 | 205,219,000 | 206,529,000 |
| Total loans | 119,070,000 | 117,468,000 | 119,880,000 | 126,822,000 |
| Allowance for loan losses | 1,549,000 | 1,499,000 | 1,469,000 | 1,630,000 |
| Securities available for sale | 61,973,000 | 63,892,000 | 68,467,000 | 64,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,301,000 | 167,935,000 | 153,163,000 | 154,990,000 |
| Interest-bearing deposits | 136,036,000 | 139,110,000 | 124,080,000 | 123,544,000 |
| Noninterest-bearing deposits | 20,265,000 | 28,825,000 | 29,083,000 | 31,446,000 |
| Equity capital | 24,470,000 | 25,962,000 | 26,768,000 | 26,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,092,000 | 4,134,000 | 6,224,000 | 8,286,000 |
| Interest expense | 472,000 | 893,000 | 1,312,000 | 1,715,000 |
| Net interest income | 1,620,000 | 3,241,000 | 4,912,000 | 6,571,000 |
| Noninterest income | 145,000 | 309,000 | 486,000 | 639,000 |
| Noninterest expense | 1,436,000 | 2,891,000 | 4,310,000 | 5,674,000 |
| Provision for loan losses | 130,000 | 225,000 | 225,000 | 385,000 |
| Pretax income | 202,000 | 684,000 | 1,275,000 | 1,683,000 |
| Income tax | 17,000 | 108,000 | 281,000 | 352,000 |
| Net income | 185,000 | 576,000 | 994,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,953,000 | 25,490,000 | 25,962,000 | 26,357,000 |
| Total capital | 25,502,000 | 26,989,000 | 27,431,000 | 27,987,000 |
| Risk-weighted assets | 143,679,000 | 144,959,000 | 144,253,000 | 147,854,000 |