Call reports 2013
COMMUNITY SOUTHERN BANK — 2013
What COMMUNITY SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 211,708,000 | 213,578,000 | 220,452,000 | 231,461,000 |
| Total loans | 128,815,000 | 129,085,000 | 139,852,000 | 149,663,000 |
| Allowance for loan losses | 1,675,000 | 1,693,000 | 1,742,000 | 1,735,000 |
| Securities available for sale | 58,526,000 | 57,118,000 | 56,008,000 | 50,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,708,000 | 164,750,000 | 163,910,000 | 175,079,000 |
| Interest-bearing deposits | 132,733,000 | 135,276,000 | 135,957,000 | 147,129,000 |
| Noninterest-bearing deposits | 26,975,000 | 29,473,000 | 27,953,000 | 27,950,000 |
| Equity capital | 26,922,000 | 25,698,000 | 25,132,000 | 25,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,972,000 | 3,966,000 | 6,056,000 | 8,161,000 |
| Interest expense | 388,000 | 763,000 | 1,153,000 | 1,563,000 |
| Net interest income | 1,584,000 | 3,203,000 | 4,903,000 | 6,598,000 |
| Noninterest income | 138,000 | 294,000 | 428,000 | 566,000 |
| Noninterest expense | 1,449,000 | 2,969,000 | 4,397,000 | 5,967,000 |
| Provision for loan losses | 45,000 | 87,000 | 149,000 | 176,000 |
| Pretax income | 1,022,000 | 1,412,000 | 1,773,000 | 2,002,000 |
| Income tax | 326,000 | 397,000 | 449,000 | 485,000 |
| Net income | 696,000 | 1,015,000 | 1,324,000 | 1,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,043,000 | 27,518,000 | 27,718,000 | 27,900,000 |
| Total capital | 28,718,000 | 29,211,000 | 29,460,000 | 29,635,000 |
| Risk-weighted assets | 149,729,000 | 153,348,000 | 165,289,000 | 168,949,000 |