Call reports 2007
COMMUNITY BANK OF THE SOUTH — 2007
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 85,710,000 | 90,620,000 | 96,177,000 | 95,717,000 |
| Total loans | 51,657,000 | 53,234,000 | 56,074,000 | 57,313,000 |
| Allowance for loan losses | 620,000 | 722,000 | 722,000 | 722,000 |
| Securities available for sale | 23,723,000 | 20,922,000 | 25,803,000 | 30,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,528,000 | 67,694,000 | 70,712,000 | 66,381,000 |
| Interest-bearing deposits | 44,736,000 | 49,428,000 | 50,512,000 | 49,598,000 |
| Noninterest-bearing deposits | 16,792,000 | 18,266,000 | 20,200,000 | 16,783,000 |
| Equity capital | 9,899,000 | 9,399,000 | 9,780,000 | 9,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,737,000 | 4,260,000 | 5,800,000 |
| Interest expense | 510,000 | 1,053,000 | 1,658,000 | 2,246,000 |
| Net interest income | 815,000 | 1,684,000 | 2,602,000 | 3,554,000 |
| Noninterest income | 104,000 | 311,000 | 430,000 | 545,000 |
| Noninterest expense | 705,000 | 1,397,000 | 2,095,000 | 2,794,000 |
| Provision for loan losses | 0 | 102,000 | 102,000 | 593,000 |
| Pretax income | 219,000 | 501,000 | 840,000 | 717,000 |
| Income tax | 80,000 | 185,000 | 307,000 | 242,000 |
| Net income | 139,000 | 316,000 | 533,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,113,000 | 9,690,000 | 9,907,000 | 9,449,000 |
| Total capital | 10,733,000 | 10,412,000 | 10,629,000 | 10,171,000 |
| Risk-weighted assets | 66,719,000 | 69,431,000 | 72,762,000 | 80,113,000 |
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