Call reports 2020
COMMUNITY BANK OF THE SOUTH — 2020
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 161,929,000 | 197,326,000 | 201,358,000 | 208,252,000 |
| Total loans | 53,939,000 | 84,878,000 | 79,972,000 | 79,447,000 |
| Allowance for loan losses | 746,000 | 754,000 | 761,000 | 768,000 |
| Securities available for sale | 38,679,000 | 39,920,000 | 39,552,000 | 38,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,715,000 | 170,662,000 | 178,860,000 | 185,856,000 |
| Interest-bearing deposits | 107,657,000 | 114,342,000 | 121,299,000 | 131,108,000 |
| Noninterest-bearing deposits | 35,058,000 | 56,320,000 | 57,561,000 | 54,748,000 |
| Equity capital | 16,933,000 | 18,886,000 | 19,824,000 | 20,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,413,000 | 3,218,000 | 4,818,000 | 6,202,000 |
| Interest expense | 99,000 | 171,000 | 244,000 | 312,000 |
| Net interest income | 1,314,000 | 3,047,000 | 4,574,000 | 5,890,000 |
| Noninterest income | 128,000 | 204,000 | 300,000 | 390,000 |
| Noninterest expense | 839,000 | 1,823,000 | 2,756,000 | 3,586,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 603,000 | 1,428,000 | 2,118,000 | 2,694,000 |
| Income tax | 133,000 | 316,000 | 493,000 | 612,000 |
| Net income | 470,000 | 1,112,000 | 1,625,000 | 2,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,743,000 | 17,154,000 | 17,668,000 | 18,123,000 |
| Total capital | 17,489,000 | 17,908,000 | 18,429,000 | 18,891,000 |
| Risk-weighted assets | 70,326,000 | 77,096,000 | 66,356,000 | 68,094,000 |