Call reports 2014
COMMUNITY SOUTHERN BANK — 2014
What COMMUNITY SOUTHERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 236,768,000 | 244,829,000 | 245,523,000 | 245,552,000 |
| Total loans | 154,274,000 | 157,190,000 | 154,307,000 | 165,103,000 |
| Allowance for loan losses | 1,783,000 | 1,845,000 | 1,846,000 | 1,729,000 |
| Securities available for sale | 43,403,000 | 50,988,000 | 60,305,000 | 53,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,811,000 | 191,482,000 | 188,795,000 | 186,274,000 |
| Interest-bearing deposits | 151,332,000 | 159,549,000 | 155,644,000 | 155,152,000 |
| Noninterest-bearing deposits | 28,479,000 | 31,933,000 | 33,151,000 | 31,122,000 |
| Equity capital | 25,309,000 | 26,345,000 | 26,777,000 | 27,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,379,000 | 6,606,000 | 8,858,000 |
| Interest expense | 422,000 | 860,000 | 1,311,000 | 1,745,000 |
| Net interest income | 1,688,000 | 3,519,000 | 5,295,000 | 7,113,000 |
| Noninterest income | 125,000 | 275,000 | 436,000 | 569,000 |
| Noninterest expense | 1,557,000 | 3,051,000 | 4,487,000 | 6,048,000 |
| Provision for loan losses | 47,000 | 107,000 | 107,000 | 179,000 |
| Pretax income | 209,000 | 636,000 | 1,137,000 | 1,455,000 |
| Income tax | 23,000 | 131,000 | 266,000 | 334,000 |
| Net income | 186,000 | 505,000 | 871,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,137,000 | 27,456,000 | 27,520,000 | 27,770,000 |
| Total capital | 28,920,000 | 29,301,000 | 29,366,000 | 29,499,000 |
| Risk-weighted assets | 174,811,000 | 179,485,000 | 177,603,000 | 184,855,000 |