Call reports 2016
COMMUNITY BANK OF THE SOUTH — 2016
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 135,100,000 | 137,807,000 | 135,518,000 | 137,477,000 |
| Total loans | 39,283,000 | 43,935,000 | 45,920,000 | 45,886,000 |
| Allowance for loan losses | 995,000 | 1,003,000 | 1,016,000 | 1,028,000 |
| Securities available for sale | 27,304,000 | 22,284,000 | 21,461,000 | 21,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,187,000 | 115,575,000 | 113,055,000 | 115,207,000 |
| Interest-bearing deposits | 85,271,000 | 84,562,000 | 83,639,000 | 84,607,000 |
| Noninterest-bearing deposits | 27,916,000 | 31,013,000 | 29,416,000 | 30,600,000 |
| Equity capital | 12,972,000 | 13,165,000 | 13,317,000 | 13,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,767,000 | 2,697,000 | 3,720,000 |
| Interest expense | 113,000 | 226,000 | 340,000 | 453,000 |
| Net interest income | 742,000 | 1,541,000 | 2,357,000 | 3,267,000 |
| Noninterest income | 71,000 | 154,000 | 253,000 | 343,000 |
| Noninterest expense | 706,000 | 1,418,000 | 2,140,000 | 2,858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 277,000 | 470,000 | 752,000 |
| Income tax | 20,000 | 64,000 | 117,000 | 204,000 |
| Net income | 87,000 | 213,000 | 353,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,787,000 | 12,765,000 | 13,580,000 | 13,251,000 |
| Total capital | 13,465,000 | 13,488,000 | 14,318,000 | 13,999,000 |
| Risk-weighted assets | 53,871,000 | 57,496,000 | 58,810,000 | 59,636,000 |