Call reports 2012
CITIZENS BANK OF THE SOUTH — 2012
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 229,710,000 | 229,718,000 | 231,799,000 | 228,494,000 |
| Total loans | 150,830,000 | 148,532,000 | 146,346,000 | 142,127,000 |
| Allowance for loan losses | 1,881,000 | 1,941,000 | 2,004,000 | 2,004,000 |
| Securities available for sale | 37,641,000 | 39,297,000 | 43,368,000 | 42,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,452,000 | 185,909,000 | 181,422,000 | 181,251,000 |
| Interest-bearing deposits | 165,068,000 | 160,209,000 | 155,650,000 | 153,369,000 |
| Noninterest-bearing deposits | 23,384,000 | 25,700,000 | 25,772,000 | 27,882,000 |
| Equity capital | 20,255,000 | 20,484,000 | 20,675,000 | 20,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,689,000 | 5,328,000 | 7,913,000 | 10,420,000 |
| Interest expense | 638,000 | 1,247,000 | 1,801,000 | 2,263,000 |
| Net interest income | 2,051,000 | 4,081,000 | 6,112,000 | 8,157,000 |
| Noninterest income | 228,000 | 477,000 | 728,000 | 910,000 |
| Noninterest expense | 1,710,000 | 3,416,000 | 5,131,000 | 6,743,000 |
| Provision for loan losses | 247,000 | 510,000 | 795,000 | 1,105,000 |
| Pretax income | 330,000 | 642,000 | 924,000 | 1,290,000 |
| Income tax | 113,000 | 222,000 | 320,000 | 557,000 |
| Net income | 217,000 | 420,000 | 604,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,215,000 | 20,428,000 | 20,613,000 | 20,637,000 |
| Total capital | 22,090,000 | 22,299,000 | 22,425,000 | 22,418,000 |
| Risk-weighted assets | 149,976,000 | 149,628,000 | 144,806,000 | 142,229,000 |