Call reports 2003
COMMUNITY BANK OF THE SOUTH — 2003
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,119,000 | 63,762,000 | 66,278,000 | 67,246,000 |
| Total loans | 26,258,000 | 24,558,000 | 25,597,000 | 24,509,000 |
| Allowance for loan losses | 423,000 | 421,000 | 418,000 | 420,000 |
| Securities available for sale | 23,142,000 | 22,707,000 | 25,135,000 | 25,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,038,000 | 49,357,000 | 50,793,000 | 60,069,000 |
| Interest-bearing deposits | 35,366,000 | 36,084,000 | 36,993,000 | 39,046,000 |
| Noninterest-bearing deposits | 11,672,000 | 13,273,000 | 13,800,000 | 21,023,000 |
| Equity capital | 6,895,000 | 6,917,000 | 6,810,000 | 7,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 752,000 | 1,422,000 | 2,045,000 | 2,731,000 |
| Interest expense | 170,000 | 322,000 | 450,000 | 568,000 |
| Net interest income | 582,000 | 1,100,000 | 1,595,000 | 2,163,000 |
| Noninterest income | 79,000 | 159,000 | 249,000 | 330,000 |
| Noninterest expense | 510,000 | 980,000 | 1,439,000 | 1,854,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 125,000 | 253,000 | 379,000 | 613,000 |
| Income tax | 45,000 | 92,000 | 136,000 | 217,000 |
| Net income | 80,000 | 161,000 | 243,000 | 396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,590,000 | 6,670,000 | 6,752,000 | 6,906,000 |
| Total capital | 7,013,000 | 7,091,000 | 7,170,000 | 7,326,000 |
| Risk-weighted assets | 37,533,000 | 36,857,000 | 38,737,000 | 38,523,000 |
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