Call reports 2005
CITIZENS BANK OF THE SOUTH — 2005
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 147,770,000 | 146,844,000 | 146,253,000 | 149,933,000 |
| Total loans | 100,777,000 | 101,053,000 | 101,523,000 | 101,388,000 |
| Allowance for loan losses | 1,209,000 | 1,440,000 | 1,302,000 | 1,270,000 |
| Securities available for sale | 29,978,000 | 30,590,000 | 30,065,000 | 31,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,372,000 | 129,966,000 | 126,253,000 | 130,167,000 |
| Interest-bearing deposits | 115,975,000 | 114,712,000 | 110,754,000 | 95,300,000 |
| Noninterest-bearing deposits | 15,397,000 | 15,254,000 | 15,499,000 | 34,867,000 |
| Equity capital | 13,847,000 | 14,117,000 | 14,460,000 | 14,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,047,000 | 4,186,000 | 6,322,000 | 8,541,000 |
| Interest expense | 772,000 | 1,584,000 | 2,439,000 | 3,329,000 |
| Net interest income | 1,275,000 | 2,602,000 | 3,883,000 | 5,212,000 |
| Noninterest income | 187,000 | 371,000 | 598,000 | 798,000 |
| Noninterest expense | 1,001,000 | 2,016,000 | 3,041,000 | 3,974,000 |
| Provision for loan losses | 60,000 | 330,000 | 340,000 | 340,000 |
| Pretax income | 401,000 | 627,000 | 1,100,000 | 1,698,000 |
| Income tax | 119,000 | 188,000 | 315,000 | 547,000 |
| Net income | 282,000 | 439,000 | 785,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,106,000 | 14,263,000 | 14,607,000 | 14,566,000 |
| Total capital | 15,274,000 | 15,434,000 | 15,783,000 | 15,757,000 |
| Risk-weighted assets | 93,428,000 | 93,398,000 | 93,949,000 | 95,206,000 |
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