Call reports 2023
COMMUNITY BANK OF THE SOUTH — 2023
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 251,241,000 | 250,727,000 | 254,033,000 | 249,597,000 |
| Total loans | 66,185,000 | 66,605,000 | 70,627,000 | 71,758,000 |
| Allowance for loan losses | 987,000 | 1,003,000 | 1,019,000 | 1,031,000 |
| Securities available for sale | 85,869,000 | 83,362,000 | 79,214,000 | 81,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,992,000 | 231,680,000 | 235,897,000 | 228,973,000 |
| Interest-bearing deposits | 164,784,000 | 164,782,000 | 179,962,000 | 183,117,000 |
| Noninterest-bearing deposits | 67,208,000 | 66,898,000 | 55,935,000 | 45,856,000 |
| Equity capital | 16,052,000 | 16,167,000 | 14,987,000 | 16,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,536,000 | 5,105,000 | 7,642,000 | 10,417,000 |
| Interest expense | 395,000 | 1,067,000 | 1,901,000 | 2,963,000 |
| Net interest income | 2,141,000 | 4,038,000 | 5,741,000 | 7,454,000 |
| Noninterest income | 95,000 | 280,000 | 399,000 | 490,000 |
| Noninterest expense | 1,074,000 | 2,130,000 | 3,168,000 | 4,206,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,162,000 | 2,188,000 | 2,972,000 | 3,738,000 |
| Income tax | 286,000 | 545,000 | 735,000 | 916,000 |
| Net income | 876,000 | 1,643,000 | 2,237,000 | 2,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,842,000 | 22,459,000 | 23,054,000 | 22,663,000 |
| Total capital | 22,829,000 | 23,462,000 | 24,073,000 | 23,694,000 |
| Risk-weighted assets | 96,267,000 | 99,632,000 | 99,231,000 | 102,939,000 |