Call reports 2002
COMMUNITY BANK OF THE SOUTH — 2002
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,367,000 | 57,878,000 | 61,258,000 | 62,749,000 |
| Total loans | 16,293,000 | 17,773,000 | 19,945,000 | 22,755,000 |
| Allowance for loan losses | 248,000 | 293,000 | 343,000 | 403,000 |
| Securities available for sale | 20,490,000 | 28,967,000 | 28,452,000 | 30,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,534,000 | 44,219,000 | 46,631,000 | 53,708,000 |
| Interest-bearing deposits | 28,256,000 | 33,014,000 | 33,910,000 | 34,893,000 |
| Noninterest-bearing deposits | 8,278,000 | 11,205,000 | 12,721,000 | 18,815,000 |
| Equity capital | 6,333,000 | 6,574,000 | 6,759,000 | 6,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 625,000 | 1,313,000 | 2,046,000 | 2,771,000 |
| Interest expense | 192,000 | 395,000 | 608,000 | 810,000 |
| Net interest income | 433,000 | 918,000 | 1,438,000 | 1,961,000 |
| Noninterest income | 39,000 | 96,000 | 165,000 | 233,000 |
| Noninterest expense | 392,000 | 829,000 | 1,277,000 | 1,741,000 |
| Provision for loan losses | 40,000 | 85,000 | 135,000 | 195,000 |
| Pretax income | 40,000 | 100,000 | 229,000 | 296,000 |
| Income tax | 15,000 | 37,000 | 85,000 | 107,000 |
| Net income | 25,000 | 63,000 | 144,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,345,000 | 6,383,000 | 6,464,000 | 6,509,000 |
| Total capital | 6,593,000 | 6,676,000 | 6,807,000 | 6,912,000 |
| Risk-weighted assets | 27,473,000 | 29,549,000 | 31,745,000 | 34,583,000 |
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