Call reports 2009
CITIZENS BANK OF THE SOUTH — 2009
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 230,778,000 | 228,718,000 | 231,719,000 | 232,629,000 |
| Total loans | 147,540,000 | 149,671,000 | 153,319,000 | 156,183,000 |
| Allowance for loan losses | 1,466,000 | 1,478,000 | 1,574,000 | 1,696,000 |
| Securities available for sale | 50,441,000 | 50,725,000 | 55,379,000 | 54,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,161,000 | 199,260,000 | 196,760,000 | 200,744,000 |
| Interest-bearing deposits | 180,406,000 | 178,612,000 | 178,463,000 | 183,502,000 |
| Noninterest-bearing deposits | 18,755,000 | 20,648,000 | 18,297,000 | 17,242,000 |
| Equity capital | 17,480,000 | 16,198,000 | 16,667,000 | 18,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 6,111,000 | 9,259,000 | 12,413,000 |
| Interest expense | 1,433,000 | 2,823,000 | 4,137,000 | 5,375,000 |
| Net interest income | 1,619,000 | 3,288,000 | 5,122,000 | 7,038,000 |
| Noninterest income | 293,000 | 523,000 | 869,000 | 1,741,000 |
| Noninterest expense | 1,723,000 | 3,218,000 | 4,955,000 | 6,799,000 |
| Provision for loan losses | 66,000 | 192,000 | 328,000 | 594,000 |
| Pretax income | 150,000 | -572,000 | -265,000 | 610,000 |
| Income tax | 5,000 | 53,000 | 173,000 | 287,000 |
| Net income | 145,000 | -625,000 | -438,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,454,000 | 16,426,000 | 16,644,000 | 18,381,000 |
| Total capital | 18,920,000 | 17,904,000 | 18,218,000 | 20,078,000 |
| Risk-weighted assets | 146,075,000 | 146,862,000 | 148,719,000 | 153,576,000 |
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