Call reports 2021
COMMUNITY BANK OF THE SOUTH — 2021
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 231,443,000 | 241,240,000 | 254,209,000 | 261,221,000 |
| Total loans | 75,342,000 | 66,857,000 | 64,157,000 | 67,392,000 |
| Allowance for loan losses | 775,000 | 793,000 | 801,000 | 808,000 |
| Securities available for sale | 39,652,000 | 40,136,000 | 45,002,000 | 45,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,550,000 | 218,564,000 | 230,851,000 | 238,398,000 |
| Interest-bearing deposits | 136,225,000 | 142,247,000 | 171,101,000 | 179,564,000 |
| Noninterest-bearing deposits | 73,325,000 | 76,317,000 | 59,750,000 | 58,834,000 |
| Equity capital | 19,559,000 | 20,264,000 | 20,782,000 | 20,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,111,000 | 4,447,000 | 5,710,000 |
| Interest expense | 42,000 | 77,000 | 104,000 | 132,000 |
| Net interest income | 1,606,000 | 3,034,000 | 4,343,000 | 5,578,000 |
| Noninterest income | 125,000 | 224,000 | 324,000 | 412,000 |
| Noninterest expense | 1,025,000 | 2,003,000 | 2,973,000 | 4,007,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 706,000 | 1,245,000 | 1,684,000 | 1,973,000 |
| Income tax | 159,000 | 280,000 | 377,000 | 437,000 |
| Net income | 547,000 | 965,000 | 1,307,000 | 1,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,464,000 | 18,277,000 | 19,005,000 | 19,234,000 |
| Total capital | 19,239,000 | 19,070,000 | 19,806,000 | 20,042,000 |
| Risk-weighted assets | 63,142,000 | 73,715,000 | 76,357,000 | 81,047,000 |