Call reports 2013
CITIZENS BANK OF THE SOUTH — 2013
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 228,465,000 | 221,671,000 | 229,011,000 | 220,564,000 |
| Total loans | 139,391,000 | 141,156,000 | 138,993,000 | 140,768,000 |
| Allowance for loan losses | 2,012,000 | 2,089,000 | 1,990,000 | 1,982,000 |
| Securities available for sale | 44,678,000 | 46,916,000 | 44,721,000 | 49,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,505,000 | 172,325,000 | 171,295,000 | 169,837,000 |
| Interest-bearing deposits | 149,902,000 | 142,661,000 | 142,682,000 | 140,623,000 |
| Noninterest-bearing deposits | 29,603,000 | 29,664,000 | 28,613,000 | 29,214,000 |
| Equity capital | 20,853,000 | 20,983,000 | 21,285,000 | 21,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,403,000 | 4,869,000 | 7,309,000 | 9,737,000 |
| Interest expense | 373,000 | 690,000 | 970,000 | 1,228,000 |
| Net interest income | 2,030,000 | 4,179,000 | 6,339,000 | 8,509,000 |
| Noninterest income | 220,000 | 504,000 | 842,000 | 1,557,000 |
| Noninterest expense | 1,741,000 | 3,435,000 | 5,104,000 | 6,890,000 |
| Provision for loan losses | 220,000 | 430,000 | 640,000 | 1,494,000 |
| Pretax income | 290,000 | 819,000 | 1,438,000 | 1,683,000 |
| Income tax | 90,000 | 303,000 | 538,000 | 607,000 |
| Net income | 200,000 | 516,000 | 900,000 | 1,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,837,000 | 21,153,000 | 21,537,000 | 21,557,000 |
| Total capital | 22,572,000 | 22,909,000 | 23,249,000 | 23,282,000 |
| Risk-weighted assets | 138,560,000 | 140,177,000 | 136,659,000 | 137,768,000 |
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