Call reports 2011
CITIZENS SOUTH BANK — 2011
What CITIZENS SOUTH BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q4 |
|---|---|
| Total assets | 1,078,712,000 |
| Total loans | 735,934,000 |
| Allowance for loan losses | 11,713,000 |
| Securities available for sale | 50,793,000 |
| Securities held to maturity | 95,763,000 |
| Trading assets | 0 |
| Total deposits | 878,058,000 |
| Interest-bearing deposits | 789,985,000 |
| Noninterest-bearing deposits | 88,073,000 |
| Equity capital | 104,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q4 |
|---|---|
| Interest income | 43,406,000 |
| Interest expense | 10,224,000 |
| Net interest income | 33,182,000 |
| Noninterest income | 7,527,000 |
| Noninterest expense | 29,254,000 |
| Provision for loan losses | 10,685,000 |
| Pretax income | 881,000 |
| Income tax | -179,000 |
| Net income | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q4 |
|---|---|
| Tier 1 capital | 102,596,000 |
| Total capital | 111,565,000 |
| Risk-weighted assets | 714,863,000 |