Call reports 2008
COMMUNITY BANK OF THE SOUTH — 2008
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 100,694,000 | 97,776,000 | 100,849,000 | 101,587,000 |
| Total loans | 58,240,000 | 58,468,000 | 61,355,000 | 62,120,000 |
| Allowance for loan losses | 797,000 | 917,000 | 801,000 | 968,000 |
| Securities available for sale | 27,275,000 | 25,636,000 | 21,536,000 | 23,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,452,000 | 70,402,000 | 73,001,000 | 80,485,000 |
| Interest-bearing deposits | 51,608,000 | 52,263,000 | 53,330,000 | 56,328,000 |
| Noninterest-bearing deposits | 18,844,000 | 18,139,000 | 19,671,000 | 24,157,000 |
| Equity capital | 9,606,000 | 9,533,000 | 9,856,000 | 9,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,460,000 | 2,826,000 | 4,229,000 | 5,697,000 |
| Interest expense | 515,000 | 906,000 | 1,252,000 | 1,564,000 |
| Net interest income | 945,000 | 1,920,000 | 2,977,000 | 4,133,000 |
| Noninterest income | 101,000 | 233,000 | 348,000 | 447,000 |
| Noninterest expense | 737,000 | 1,529,000 | 2,357,000 | 3,164,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 443,000 |
| Pretax income | 234,000 | 474,000 | 743,000 | 975,000 |
| Income tax | 59,000 | 121,000 | 195,000 | 264,000 |
| Net income | 175,000 | 353,000 | 548,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,600,000 | 9,779,000 | 9,976,000 | 9,841,000 |
| Total capital | 10,397,000 | 10,685,000 | 10,777,000 | 10,809,000 |
| Risk-weighted assets | 73,229,000 | 72,689,000 | 76,019,000 | 80,359,000 |
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