Call reports 2025
COMMUNITY BANK OF THE SOUTH — 2025
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 267,404,000 | 262,219,000 | 258,256,000 | 257,201,000 |
| Total loans | 73,707,000 | 69,211,000 | 72,920,000 | 72,090,000 |
| Allowance for loan losses | 955,000 | 955,000 | 955,000 | 976,000 |
| Securities available for sale | 83,413,000 | 83,103,000 | 82,510,000 | 78,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,146,000 | 238,284,000 | 232,565,000 | 231,630,000 |
| Interest-bearing deposits | 184,072,000 | 174,471,000 | 161,331,000 | 173,676,000 |
| Noninterest-bearing deposits | 60,074,000 | 63,813,000 | 71,234,000 | 57,954,000 |
| Equity capital | 19,584,000 | 20,183,000 | 21,947,000 | 22,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,788,000 | 5,719,000 | 8,519,000 | 11,323,000 |
| Interest expense | 1,092,000 | 2,139,000 | 3,099,000 | 3,955,000 |
| Net interest income | 1,696,000 | 3,580,000 | 5,420,000 | 7,368,000 |
| Noninterest income | 103,000 | 224,000 | 318,000 | 415,000 |
| Noninterest expense | 1,089,000 | 2,202,000 | 3,330,000 | 4,545,000 |
| Provision for loan losses | 0 | 0 | 0 | 22,000 |
| Pretax income | 710,000 | 1,580,000 | 2,386,000 | 3,176,000 |
| Income tax | 185,000 | 411,000 | 622,000 | 784,000 |
| Net income | 525,000 | 1,169,000 | 1,764,000 | 2,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,755,000 | 25,398,000 | 25,494,000 | 25,872,000 |
| Total capital | 25,818,000 | 26,461,000 | 26,557,000 | 26,975,000 |
| Risk-weighted assets | 100,278,000 | 109,591,000 | 106,373,000 | 106,214,000 |