Call reports 2012
COMMUNITY BANK OF THE SOUTH — 2012
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,827,000 | 128,442,000 | 132,883,000 | 129,900,000 |
| Total loans | 54,233,000 | 53,556,000 | 53,104,000 | 52,955,000 |
| Allowance for loan losses | 1,357,000 | 1,393,000 | 1,387,000 | 1,501,000 |
| Securities available for sale | 40,261,000 | 47,401,000 | 44,919,000 | 43,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,968,000 | 104,161,000 | 108,201,000 | 105,366,000 |
| Interest-bearing deposits | 72,823,000 | 74,831,000 | 76,731,000 | 77,915,000 |
| Noninterest-bearing deposits | 33,145,000 | 29,330,000 | 31,470,000 | 27,451,000 |
| Equity capital | 15,543,000 | 15,835,000 | 16,156,000 | 16,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,139,000 | 2,310,000 | 3,357,000 | 4,428,000 |
| Interest expense | 132,000 | 263,000 | 396,000 | 526,000 |
| Net interest income | 1,007,000 | 2,047,000 | 2,961,000 | 3,902,000 |
| Noninterest income | -15,000 | -30,000 | 11,000 | 89,000 |
| Noninterest expense | 741,000 | 1,489,000 | 2,241,000 | 2,997,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 157,000 |
| Pretax income | 251,000 | 528,000 | 714,000 | 862,000 |
| Income tax | 50,000 | 117,000 | 156,000 | 183,000 |
| Net income | 201,000 | 411,000 | 558,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,055,000 | 15,268,000 | 15,417,000 | 15,545,000 |
| Total capital | 16,002,000 | 16,173,000 | 16,338,000 | 16,424,000 |
| Risk-weighted assets | 75,341,000 | 74,681,000 | 73,248,000 | 72,356,000 |