Call reports 2014
COMMUNITY BANK OF THE SOUTH — 2014
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 145,591,000 | 142,225,000 | 149,330,000 | 144,260,000 |
| Total loans | 43,125,000 | 42,060,000 | 38,608,000 | 37,783,000 |
| Allowance for loan losses | 1,771,000 | 1,665,000 | 1,214,000 | 869,000 |
| Securities available for sale | 45,306,000 | 40,054,000 | 37,032,000 | 35,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,752,000 | 119,196,000 | 126,127,000 | 120,815,000 |
| Interest-bearing deposits | 90,119,000 | 85,190,000 | 93,872,000 | 92,294,000 |
| Noninterest-bearing deposits | 32,633,000 | 34,006,000 | 32,255,000 | 28,521,000 |
| Equity capital | 14,227,000 | 14,326,000 | 14,405,000 | 14,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 914,000 | 1,839,000 | 2,741,000 | 3,601,000 |
| Interest expense | 120,000 | 236,000 | 352,000 | 468,000 |
| Net interest income | 794,000 | 1,603,000 | 2,389,000 | 3,133,000 |
| Noninterest income | 27,000 | 286,000 | 341,000 | 325,000 |
| Noninterest expense | 760,000 | 1,536,000 | 2,282,000 | 2,952,000 |
| Provision for loan losses | 0 | 0 | 0 | -368,000 |
| Pretax income | 63,000 | 367,000 | 485,000 | 911,000 |
| Income tax | -20,000 | 65,000 | 75,000 | 227,000 |
| Net income | 83,000 | 302,000 | 410,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,200,000 | 14,219,000 | 13,968,000 | 14,510,000 |
| Total capital | 14,967,000 | 15,017,000 | 14,661,000 | 15,242,000 |
| Risk-weighted assets | 63,617,000 | 62,967,000 | 59,156,000 | 58,484,000 |