Call reports 2005
COMMUNITY BANK OF THE SOUTH — 2005
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 84,903,000 | 94,156,000 | 90,553,000 | 86,353,000 |
| Total loans | 39,280,000 | 41,573,000 | 42,877,000 | 43,997,000 |
| Allowance for loan losses | 563,000 | 605,000 | 605,000 | 605,000 |
| Securities available for sale | 22,830,000 | 25,946,000 | 28,225,000 | 31,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,964,000 | 77,168,000 | 72,945,000 | 77,395,000 |
| Interest-bearing deposits | 44,940,000 | 50,126,000 | 48,865,000 | 45,061,000 |
| Noninterest-bearing deposits | 23,024,000 | 27,042,000 | 24,080,000 | 32,334,000 |
| Equity capital | 7,785,000 | 8,112,000 | 8,386,000 | 8,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,989,000 | 3,199,000 | 4,421,000 |
| Interest expense | 153,000 | 343,000 | 578,000 | 882,000 |
| Net interest income | 768,000 | 1,646,000 | 2,621,000 | 3,539,000 |
| Noninterest income | 108,000 | 227,000 | 342,000 | 433,000 |
| Noninterest expense | 535,000 | 1,147,000 | 1,769,000 | 2,364,000 |
| Provision for loan losses | 62,000 | 104,000 | 104,000 | 104,000 |
| Pretax income | 279,000 | 622,000 | 1,090,000 | 1,504,000 |
| Income tax | 104,000 | 233,000 | 407,000 | 561,000 |
| Net income | 175,000 | 389,000 | 683,000 | 943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,007,000 | 8,282,000 | 8,577,000 | 8,936,000 |
| Total capital | 8,570,000 | 8,887,000 | 9,182,000 | 9,541,000 |
| Risk-weighted assets | 53,577,000 | 57,190,000 | 58,115,000 | 59,455,000 |
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