Call reports 2004
COMMUNITY BANK OF THE SOUTH — 2004
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 72,328,000 | 74,525,000 | 73,524,000 | 75,166,000 |
| Total loans | 31,491,000 | 31,495,000 | 33,372,000 | 39,275,000 |
| Allowance for loan losses | 476,000 | 491,000 | 501,000 | 501,000 |
| Securities available for sale | 23,280,000 | 21,996,000 | 23,377,000 | 21,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,682,000 | 57,987,000 | 56,711,000 | 67,197,000 |
| Interest-bearing deposits | 39,950,000 | 40,076,000 | 40,687,000 | 41,138,000 |
| Noninterest-bearing deposits | 15,732,000 | 17,911,000 | 16,024,000 | 26,059,000 |
| Equity capital | 7,154,000 | 6,938,000 | 7,268,000 | 7,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 716,000 | 1,462,000 | 2,242,000 | 3,094,000 |
| Interest expense | 113,000 | 229,000 | 351,000 | 484,000 |
| Net interest income | 603,000 | 1,233,000 | 1,891,000 | 2,610,000 |
| Noninterest income | 85,000 | 196,000 | 289,000 | 400,000 |
| Noninterest expense | 480,000 | 987,000 | 1,526,000 | 2,040,000 |
| Provision for loan losses | 56,000 | 71,000 | 81,000 | 81,000 |
| Pretax income | 177,000 | 432,000 | 634,000 | 951,000 |
| Income tax | 65,000 | 159,000 | 232,000 | 342,000 |
| Net income | 112,000 | 273,000 | 402,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,018,000 | 7,178,000 | 7,308,000 | 7,832,000 |
| Total capital | 7,494,000 | 7,669,000 | 7,809,000 | 8,333,000 |
| Risk-weighted assets | 44,872,000 | 45,965,000 | 46,827,000 | 51,713,000 |
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