Call reports 2015
COMMUNITY BANK OF THE SOUTH — 2015
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 137,913,000 | 136,506,000 | 136,067,000 | 131,968,000 |
| Total loans | 38,421,000 | 38,880,000 | 36,792,000 | 39,587,000 |
| Allowance for loan losses | 898,000 | 918,000 | 949,000 | 973,000 |
| Securities available for sale | 27,778,000 | 25,357,000 | 23,153,000 | 20,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,138,000 | 114,712,000 | 114,356,000 | 110,303,000 |
| Interest-bearing deposits | 85,454,000 | 85,223,000 | 83,440,000 | 85,933,000 |
| Noninterest-bearing deposits | 30,684,000 | 29,489,000 | 30,916,000 | 24,370,000 |
| Equity capital | 13,029,000 | 12,969,000 | 12,813,000 | 12,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,635,000 | 2,452,000 | 3,272,000 |
| Interest expense | 109,000 | 213,000 | 319,000 | 426,000 |
| Net interest income | 721,000 | 1,422,000 | 2,133,000 | 2,846,000 |
| Noninterest income | 57,000 | 104,000 | 182,000 | 266,000 |
| Noninterest expense | 705,000 | 1,410,000 | 2,101,000 | 2,773,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 115,000 | 213,000 | 338,000 |
| Income tax | 2,000 | 0 | 12,000 | 46,000 |
| Net income | 70,000 | 115,000 | 201,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,777,000 | 12,823,000 | 12,608,000 | 12,629,000 |
| Total capital | 13,463,000 | 13,509,000 | 13,286,000 | 13,290,000 |
| Risk-weighted assets | 54,741,000 | 54,706,000 | 53,970,000 | 52,536,000 |