Call reports 2013
COMMUNITY BANK OF THE SOUTH — 2013
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 132,860,000 | 129,693,000 | 136,379,000 | 141,596,000 |
| Total loans | 51,121,000 | 48,313,000 | 45,901,000 | 45,950,000 |
| Allowance for loan losses | 1,558,000 | 1,588,000 | 1,618,000 | 1,655,000 |
| Securities available for sale | 44,256,000 | 46,582,000 | 52,851,000 | 49,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,119,000 | 105,219,000 | 111,507,000 | 117,070,000 |
| Interest-bearing deposits | 79,268,000 | 75,584,000 | 81,580,000 | 91,483,000 |
| Noninterest-bearing deposits | 28,851,000 | 29,635,000 | 29,927,000 | 25,587,000 |
| Equity capital | 16,318,000 | 15,887,000 | 16,185,000 | 16,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,043,000 | 2,045,000 | 3,055,000 | 4,038,000 |
| Interest expense | 123,000 | 245,000 | 367,000 | 489,000 |
| Net interest income | 920,000 | 1,800,000 | 2,688,000 | 3,549,000 |
| Noninterest income | 29,000 | 23,000 | 100,000 | 156,000 |
| Noninterest expense | 764,000 | 1,487,000 | 2,329,000 | 3,049,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 165,000 | 316,000 | 439,000 | 636,000 |
| Income tax | 20,000 | 36,000 | 41,000 | 73,000 |
| Net income | 145,000 | 280,000 | 398,000 | 563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,690,000 | 15,827,000 | 15,949,000 | 16,116,000 |
| Total capital | 16,580,000 | 16,661,000 | 16,800,000 | 16,783,000 |
| Risk-weighted assets | 73,054,000 | 70,605,000 | 70,625,000 | 67,950,000 |