Call reports 2010
CITIZENS BANK OF THE SOUTH — 2010
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 237,241,000 | 241,243,000 | 239,778,000 | 234,401,000 |
| Total loans | 158,068,000 | 158,925,000 | 159,875,000 | 159,374,000 |
| Allowance for loan losses | 1,725,000 | 1,780,000 | 1,610,000 | 1,911,000 |
| Securities available for sale | 53,070,000 | 55,087,000 | 52,520,000 | 54,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,998,000 | 206,877,000 | 204,151,000 | 197,050,000 |
| Interest-bearing deposits | 183,126,000 | 186,950,000 | 185,125,000 | 177,074,000 |
| Noninterest-bearing deposits | 20,872,000 | 19,927,000 | 19,026,000 | 19,976,000 |
| Equity capital | 18,772,000 | 19,206,000 | 19,735,000 | 19,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,014,000 | 6,158,000 | 9,217,000 | 12,192,000 |
| Interest expense | 1,142,000 | 2,255,000 | 3,327,000 | 4,302,000 |
| Net interest income | 1,872,000 | 3,903,000 | 5,890,000 | 7,890,000 |
| Noninterest income | 326,000 | 642,000 | 851,000 | 1,128,000 |
| Noninterest expense | 1,837,000 | 3,687,000 | 5,472,000 | 7,039,000 |
| Provision for loan losses | 126,000 | 292,000 | 558,000 | 1,331,000 |
| Pretax income | 248,000 | 592,000 | 907,000 | 980,000 |
| Income tax | 53,000 | 147,000 | 173,000 | 307,000 |
| Net income | 195,000 | 445,000 | 734,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,735,000 | 19,001,000 | 19,576,000 | 19,411,000 |
| Total capital | 20,460,000 | 20,781,000 | 21,187,000 | 21,322,000 |
| Risk-weighted assets | 155,168,000 | 155,975,000 | 160,971,000 | 156,775,000 |
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