Call reports 2019
COMMUNITY BANK OF THE SOUTH — 2019
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 157,421,000 | 154,713,000 | 154,204,000 | 160,210,000 |
| Total loans | 53,776,000 | 49,966,000 | 51,456,000 | 52,248,000 |
| Allowance for loan losses | 699,000 | 716,000 | 729,000 | 739,000 |
| Securities available for sale | 19,433,000 | 28,643,000 | 33,123,000 | 36,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,932,000 | 136,375,000 | 135,265,000 | 141,121,000 |
| Interest-bearing deposits | 105,124,000 | 103,211,000 | 103,929,000 | 111,489,000 |
| Noninterest-bearing deposits | 34,808,000 | 33,164,000 | 31,336,000 | 29,632,000 |
| Equity capital | 15,356,000 | 16,060,000 | 16,500,000 | 16,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,822,000 | 4,639,000 | 6,112,000 |
| Interest expense | 109,000 | 221,000 | 336,000 | 451,000 |
| Net interest income | 1,290,000 | 2,601,000 | 4,303,000 | 5,661,000 |
| Noninterest income | 96,000 | 199,000 | 292,000 | 386,000 |
| Noninterest expense | 830,000 | 1,694,000 | 2,532,000 | 3,370,000 |
| Provision for loan losses | -200,000 | -200,000 | -200,000 | -200,000 |
| Pretax income | 756,000 | 1,306,000 | 2,275,000 | 2,889,000 |
| Income tax | 178,000 | 309,000 | 546,000 | 686,000 |
| Net income | 578,000 | 997,000 | 1,729,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,486,000 | 16,247,000 | 16,197,000 | 16,669,000 |
| Total capital | 16,185,000 | 16,964,000 | 16,926,000 | 17,408,000 |
| Risk-weighted assets | 64,149,000 | 62,593,000 | 64,366,000 | 69,103,000 |