Call reports 2014
CITIZENS BANK OF THE SOUTH — 2014
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 222,936,000 | 216,484,000 | 215,732,000 | 204,645,000 |
| Total loans | 140,358,000 | 141,679,000 | 141,713,000 | 141,387,000 |
| Allowance for loan losses | 2,044,000 | 2,181,000 | 2,129,000 | 2,052,000 |
| Securities available for sale | 43,488,000 | 42,460,000 | 40,386,000 | 38,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,995,000 | 170,086,000 | 166,177,000 | 165,578,000 |
| Interest-bearing deposits | 140,448,000 | 133,721,000 | 104,025,000 | 130,852,000 |
| Noninterest-bearing deposits | 37,547,000 | 36,365,000 | 62,152,000 | 34,726,000 |
| Equity capital | 21,576,000 | 21,924,000 | 22,357,000 | 22,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,582,000 | 6,976,000 | 9,348,000 |
| Interest expense | 230,000 | 449,000 | 660,000 | 857,000 |
| Net interest income | 2,048,000 | 4,133,000 | 6,316,000 | 8,491,000 |
| Noninterest income | 296,000 | 551,000 | 781,000 | 956,000 |
| Noninterest expense | 1,718,000 | 3,407,000 | 5,084,000 | 6,730,000 |
| Provision for loan losses | 255,000 | 490,000 | 550,000 | 650,000 |
| Pretax income | 372,000 | 788,000 | 1,464,000 | 2,074,000 |
| Income tax | 136,000 | 291,000 | 550,000 | 756,000 |
| Net income | 236,000 | 497,000 | 914,000 | 1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,794,000 | 22,054,000 | 22,472,000 | 22,667,000 |
| Total capital | 23,511,000 | 23,784,000 | 24,189,000 | 24,361,000 |
| Risk-weighted assets | 137,052,000 | 137,937,000 | 136,933,000 | 135,197,000 |
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