Call reports 2007
CITIZENS BANK OF THE SOUTH — 2007
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 167,320,000 | 180,076,000 | 187,498,000 | 185,785,000 |
| Total loans | 117,985,000 | 127,922,000 | 134,047,000 | 134,416,000 |
| Allowance for loan losses | 1,274,000 | 1,282,000 | 1,326,000 | 1,375,000 |
| Securities available for sale | 31,737,000 | 34,212,000 | 34,516,000 | 33,923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,853,000 | 155,023,000 | 160,590,000 | 161,406,000 |
| Interest-bearing deposits | 127,883,000 | 138,014,000 | 144,825,000 | 145,832,000 |
| Noninterest-bearing deposits | 16,970,000 | 17,009,000 | 15,765,000 | 15,574,000 |
| Equity capital | 15,869,000 | 16,093,000 | 16,576,000 | 16,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,754,000 | 5,781,000 | 9,080,000 | 12,987,000 |
| Interest expense | 1,265,000 | 2,704,000 | 4,369,000 | 6,091,000 |
| Net interest income | 1,489,000 | 3,077,000 | 4,711,000 | 6,896,000 |
| Noninterest income | 240,000 | 476,000 | 756,000 | 1,055,000 |
| Noninterest expense | 1,172,000 | 2,417,000 | 3,857,000 | 5,662,000 |
| Provision for loan losses | 90,000 | 180,000 | 276,000 | 342,000 |
| Pretax income | 467,000 | 956,000 | 1,334,000 | 1,947,000 |
| Income tax | 142,000 | 291,000 | 396,000 | 578,000 |
| Net income | 325,000 | 665,000 | 938,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,991,000 | 16,329,000 | 16,603,000 | 16,602,000 |
| Total capital | 17,265,000 | 17,611,000 | 17,929,000 | 17,977,000 |
| Risk-weighted assets | 110,794,000 | 123,259,000 | 128,762,000 | 128,519,000 |
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