Call reports 2009
COMMUNITY BANK OF THE SOUTH — 2009
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 104,244,000 | 110,151,000 | 118,104,000 | 112,547,000 |
| Total loans | 61,825,000 | 63,179,000 | 62,633,000 | 62,302,000 |
| Allowance for loan losses | 1,119,000 | 1,089,000 | 1,116,000 | 1,460,000 |
| Securities available for sale | 22,357,000 | 21,078,000 | 20,404,000 | 18,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,246,000 | 89,943,000 | 97,217,000 | 92,060,000 |
| Interest-bearing deposits | 57,106,000 | 63,054,000 | 69,496,000 | 69,507,000 |
| Noninterest-bearing deposits | 27,140,000 | 26,889,000 | 27,721,000 | 22,553,000 |
| Equity capital | 10,014,000 | 10,147,000 | 10,773,000 | 10,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,432,000 | 2,818,000 | 4,180,000 | 5,536,000 |
| Interest expense | 271,000 | 535,000 | 796,000 | 1,056,000 |
| Net interest income | 1,161,000 | 2,283,000 | 3,384,000 | 4,480,000 |
| Noninterest income | 87,000 | 5,000 | 88,000 | 10,000 |
| Noninterest expense | 798,000 | 1,593,000 | 2,409,000 | 3,103,000 |
| Provision for loan losses | 150,000 | 160,000 | 193,000 | 214,000 |
| Pretax income | 285,000 | 519,000 | 882,000 | 1,185,000 |
| Income tax | 90,000 | 154,000 | 266,000 | 314,000 |
| Net income | 195,000 | 365,000 | 616,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,037,000 | 10,209,000 | 10,316,000 | 10,364,000 |
| Total capital | 10,962,000 | 11,171,000 | 11,356,000 | 11,395,000 |
| Risk-weighted assets | 78,438,000 | 78,821,000 | 83,357,000 | 82,016,000 |