Call reports 2010
COMMUNITY BANK OF THE SOUTH — 2010
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 110,964,000 | 119,296,000 | 117,480,000 | 112,808,000 |
| Total loans | 62,355,000 | 61,987,000 | 60,519,000 | 58,333,000 |
| Allowance for loan losses | 1,610,000 | 1,510,000 | 1,509,000 | 1,202,000 |
| Securities available for sale | 17,685,000 | 16,649,000 | 16,324,000 | 18,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,254,000 | 100,234,000 | 98,153,000 | 94,031,000 |
| Interest-bearing deposits | 70,388,000 | 73,848,000 | 73,552,000 | 71,623,000 |
| Noninterest-bearing deposits | 21,866,000 | 26,386,000 | 24,601,000 | 22,408,000 |
| Equity capital | 10,662,000 | 10,970,000 | 11,097,000 | 10,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,524,000 | 3,737,000 | 4,936,000 |
| Interest expense | 221,000 | 431,000 | 631,000 | 815,000 |
| Net interest income | 1,034,000 | 2,093,000 | 3,106,000 | 4,121,000 |
| Noninterest income | 85,000 | 186,000 | 283,000 | 391,000 |
| Noninterest expense | 887,000 | 1,717,000 | 2,674,000 | 3,532,000 |
| Provision for loan losses | 148,000 | 149,000 | 149,000 | 921,000 |
| Pretax income | 84,000 | 399,000 | 566,000 | 59,000 |
| Income tax | 12,000 | 72,000 | 100,000 | -131,000 |
| Net income | 72,000 | 327,000 | 466,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,438,000 | 10,696,000 | 10,739,000 | 10,465,000 |
| Total capital | 11,405,000 | 11,613,000 | 12,112,000 | 11,441,000 |
| Risk-weighted assets | 76,794,000 | 75,237,000 | 112,193,000 | 77,863,000 |