Call reports 2011
COMMUNITY BANK OF THE SOUTH — 2011
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 117,434,000 | 120,953,000 | 125,639,000 | 122,927,000 |
| Total loans | 57,396,000 | 55,682,000 | 56,201,000 | 54,975,000 |
| Allowance for loan losses | 1,255,000 | 1,130,000 | 1,372,000 | 1,360,000 |
| Securities available for sale | 19,072,000 | 30,972,000 | 32,619,000 | 36,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,599,000 | 101,677,000 | 102,057,000 | 99,443,000 |
| Interest-bearing deposits | 71,111,000 | 72,064,000 | 71,778,000 | 69,830,000 |
| Noninterest-bearing deposits | 27,488,000 | 29,613,000 | 30,279,000 | 29,613,000 |
| Equity capital | 10,675,000 | 11,017,000 | 15,166,000 | 15,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,137,000 | 2,398,000 | 3,580,000 | 4,746,000 |
| Interest expense | 171,000 | 334,000 | 491,000 | 643,000 |
| Net interest income | 966,000 | 2,064,000 | 3,089,000 | 4,103,000 |
| Noninterest income | 25,000 | 95,000 | 140,000 | -28,000 |
| Noninterest expense | 846,000 | 1,701,000 | 2,558,000 | 3,211,000 |
| Provision for loan losses | 100,000 | 239,000 | 239,000 | 239,000 |
| Pretax income | 45,000 | 219,000 | 432,000 | 649,000 |
| Income tax | -26,000 | 0 | 32,000 | 67,000 |
| Net income | 71,000 | 219,000 | 400,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,540,000 | 10,689,000 | 14,667,000 | 14,851,000 |
| Total capital | 11,500,000 | 11,650,000 | 15,625,000 | 15,688,000 |
| Risk-weighted assets | 76,433,000 | 76,751,000 | 76,301,000 | 76,200,000 |