Call reports 2008
CITIZENS BANK OF THE SOUTH — 2008
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 196,720,000 | 201,439,000 | 209,337,000 | 212,656,000 |
| Total loans | 137,591,000 | 140,902,000 | 143,412,000 | 148,028,000 |
| Allowance for loan losses | 1,374,000 | 1,437,000 | 1,507,000 | 1,470,000 |
| Securities available for sale | 37,967,000 | 40,945,000 | 41,737,000 | 45,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,333,000 | 176,605,000 | 184,193,000 | 184,904,000 |
| Interest-bearing deposits | 155,485,000 | 160,734,000 | 167,287,000 | 166,962,000 |
| Noninterest-bearing deposits | 16,848,000 | 15,871,000 | 16,906,000 | 17,942,000 |
| Equity capital | 17,049,000 | 16,963,000 | 17,466,000 | 17,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,316,000 | 6,653,000 | 9,952,000 | 13,245,000 |
| Interest expense | 1,636,000 | 3,263,000 | 4,842,000 | 6,389,000 |
| Net interest income | 1,680,000 | 3,390,000 | 5,110,000 | 6,856,000 |
| Noninterest income | 297,000 | 581,000 | 914,000 | 1,233,000 |
| Noninterest expense | 1,515,000 | 2,941,000 | 4,663,000 | 6,226,000 |
| Provision for loan losses | 136,000 | 292,000 | 418,000 | 469,000 |
| Pretax income | 409,000 | 832,000 | 1,037,000 | 1,492,000 |
| Income tax | 118,000 | 240,000 | 273,000 | 405,000 |
| Net income | 291,000 | 592,000 | 764,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,895,000 | 17,196,000 | 17,369,000 | 17,309,000 |
| Total capital | 18,269,000 | 18,633,000 | 18,876,000 | 18,779,000 |
| Risk-weighted assets | 133,483,000 | 137,681,000 | 140,519,000 | 144,697,000 |
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