Call reports 2012
CITIZENS SOUTH BANK — 2012
What CITIZENS SOUTH BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 1,071,534,000 | 1,046,701,000 | 938,239,000 |
| Total loans | 733,191,000 | 718,518,000 | 707,589,000 |
| Allowance for loan losses | 11,583,000 | 11,735,000 | 11,878,000 |
| Securities available for sale | 19,441,000 | 16,794,000 | 15,831,000 |
| Securities held to maturity | 100,464,000 | 82,276,000 | 72,231,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 873,647,000 | 853,719,000 | 826,693,000 |
| Interest-bearing deposits | 776,192,000 | 758,187,000 | 729,072,000 |
| Noninterest-bearing deposits | 97,455,000 | 95,532,000 | 97,621,000 |
| Equity capital | 102,055,000 | 101,794,000 | 93,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 10,466,000 | 20,515,000 | 30,702,000 |
| Interest expense | 1,915,000 | 3,698,000 | 5,292,000 |
| Net interest income | 8,551,000 | 16,817,000 | 25,410,000 |
| Noninterest income | 1,044,000 | 1,939,000 | 1,688,000 |
| Noninterest expense | 7,420,000 | 14,654,000 | 36,059,000 |
| Provision for loan losses | 6,300,000 | 8,855,000 | 9,305,000 |
| Pretax income | -3,461,000 | -4,089,000 | -17,666,000 |
| Income tax | -1,535,000 | -1,881,000 | -7,184,000 |
| Net income | -1,926,000 | -2,208,000 | -10,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 100,774,000 | 100,586,000 | 92,455,000 |
| Total capital | 109,650,000 | 109,394,000 | 101,228,000 |
| Risk-weighted assets | 707,392,000 | 701,717,000 | 698,771,000 |