Call reports 2016
CITIZENS BANK OF THE SOUTH — 2016
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 215,866,000 | 221,359,000 | 222,589,000 | 225,208,000 |
| Total loans | 142,036,000 | 145,620,000 | 149,112,000 | 154,622,000 |
| Allowance for loan losses | 1,929,000 | 1,898,000 | 1,869,000 | 1,895,000 |
| Securities available for sale | 34,292,000 | 35,808,000 | 36,910,000 | 39,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,717,000 | 171,037,000 | 173,348,000 | 184,856,000 |
| Interest-bearing deposits | 132,675,000 | 135,909,000 | 135,789,000 | 133,472,000 |
| Noninterest-bearing deposits | 39,042,000 | 35,128,000 | 37,559,000 | 51,384,000 |
| Equity capital | 24,073,000 | 24,455,000 | 24,848,000 | 24,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,408,000 | 4,782,000 | 7,326,000 | 9,846,000 |
| Interest expense | 178,000 | 355,000 | 533,000 | 707,000 |
| Net interest income | 2,230,000 | 4,427,000 | 6,793,000 | 9,139,000 |
| Noninterest income | 235,000 | 472,000 | 697,000 | 918,000 |
| Noninterest expense | 1,764,000 | 3,504,000 | 5,333,000 | 7,170,000 |
| Provision for loan losses | 135,000 | 240,000 | 330,000 | 470,000 |
| Pretax income | 569,000 | 1,157,000 | 1,835,000 | 2,425,000 |
| Income tax | 218,000 | 445,000 | 709,000 | 884,000 |
| Net income | 351,000 | 712,000 | 1,126,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,073,000 | 24,454,000 | 24,848,000 | 24,868,000 |
| Total capital | 25,781,000 | 26,192,000 | 26,606,000 | 26,693,000 |
| Risk-weighted assets | 136,394,000 | 138,881,000 | 140,522,000 | 145,963,000 |