Call reports 2015
CITIZENS BANK OF THE SOUTH — 2015
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 202,295,000 | 200,228,000 | 210,868,000 | 207,405,000 |
| Total loans | 140,804,000 | 141,276,000 | 145,258,000 | 146,563,000 |
| Allowance for loan losses | 2,026,000 | 1,992,000 | 1,920,000 | 1,925,000 |
| Securities available for sale | 34,754,000 | 34,174,000 | 32,823,000 | 37,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,007,000 | 164,043,000 | 169,265,000 | 164,580,000 |
| Interest-bearing deposits | 128,211,000 | 128,951,000 | 133,203,000 | 129,915,000 |
| Noninterest-bearing deposits | 35,796,000 | 35,092,000 | 36,062,000 | 34,665,000 |
| Equity capital | 22,954,000 | 23,293,000 | 23,728,000 | 23,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,296,000 | 4,631,000 | 7,030,000 | 9,390,000 |
| Interest expense | 181,000 | 356,000 | 533,000 | 711,000 |
| Net interest income | 2,115,000 | 4,275,000 | 6,497,000 | 8,679,000 |
| Noninterest income | 206,000 | 446,000 | 642,000 | 838,000 |
| Noninterest expense | 1,647,000 | 3,309,000 | 5,016,000 | 6,627,000 |
| Provision for loan losses | 150,000 | 300,000 | 420,000 | 620,000 |
| Pretax income | 530,000 | 1,118,000 | 1,709,000 | 2,280,000 |
| Income tax | 202,000 | 428,000 | 643,000 | 842,000 |
| Net income | 328,000 | 690,000 | 1,066,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,375,000 | 23,357,000 | 23,728,000 | 23,742,000 |
| Total capital | 25,988,000 | 25,196,000 | 25,435,000 | 25,501,000 |
| Risk-weighted assets | 130,002,000 | 146,961,000 | 136,386,000 | 140,531,000 |