Call reports 2004
CITIZENS BANK OF THE SOUTH — 2004
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 146,785,000 | 145,195,000 | 144,680,000 | 145,651,000 |
| Total loans | 97,527,000 | 102,450,000 | 104,728,000 | 104,351,000 |
| Allowance for loan losses | 1,233,000 | 1,280,000 | 1,284,000 | 1,212,000 |
| Securities available for sale | 28,092,000 | 30,462,000 | 29,187,000 | 27,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,640,000 | 126,643,000 | 124,281,000 | 126,904,000 |
| Interest-bearing deposits | 111,739,000 | 110,495,000 | 109,630,000 | 112,032,000 |
| Noninterest-bearing deposits | 15,901,000 | 16,148,000 | 14,651,000 | 14,872,000 |
| Equity capital | 13,490,000 | 13,368,000 | 13,862,000 | 13,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,028,000 | 4,091,000 | 6,166,000 | 8,250,000 |
| Interest expense | 724,000 | 1,436,000 | 2,145,000 | 2,902,000 |
| Net interest income | 1,304,000 | 2,655,000 | 4,021,000 | 5,348,000 |
| Noninterest income | 238,000 | 468,000 | 696,000 | 875,000 |
| Noninterest expense | 929,000 | 1,945,000 | 2,921,000 | 3,883,000 |
| Provision for loan losses | 90,000 | 260,000 | 350,000 | 410,000 |
| Pretax income | 523,000 | 918,000 | 1,446,000 | 1,930,000 |
| Income tax | 165,000 | 275,000 | 441,000 | 596,000 |
| Net income | 358,000 | 643,000 | 1,005,000 | 1,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,232,000 | 13,517,000 | 13,879,000 | 13,824,000 |
| Total capital | 14,371,000 | 14,697,000 | 15,075,000 | 15,014,000 |
| Risk-weighted assets | 90,988,000 | 94,305,000 | 95,570,000 | 95,211,000 |
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