Call reports 2017
CITIZENS BANK OF THE SOUTH — 2017
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 224,614,000 | 219,587,000 | 224,753,000 | 226,718,000 |
| Total loans | 153,995,000 | 155,805,000 | 161,557,000 | 164,626,000 |
| Allowance for loan losses | 1,850,000 | 1,811,000 | 1,812,000 | 1,939,000 |
| Securities available for sale | 34,568,000 | 34,097,000 | 34,034,000 | 33,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,146,000 | 193,618,000 | 198,275,000 | 200,316,000 |
| Interest-bearing deposits | 160,104,000 | 144,563,000 | 150,203,000 | 144,929,000 |
| Noninterest-bearing deposits | 39,042,000 | 49,055,000 | 48,072,000 | 55,387,000 |
| Equity capital | 25,055,000 | 25,496,000 | 25,887,000 | 25,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,509,000 | 5,072,000 | 7,753,000 | 10,507,000 |
| Interest expense | 180,000 | 365,000 | 555,000 | 757,000 |
| Net interest income | 2,329,000 | 4,707,000 | 7,198,000 | 9,750,000 |
| Noninterest income | 239,000 | 501,000 | 762,000 | 1,191,000 |
| Noninterest expense | 1,891,000 | 3,782,000 | 5,767,000 | 7,998,000 |
| Provision for loan losses | 110,000 | 230,000 | 350,000 | 530,000 |
| Pretax income | 567,000 | 1,196,000 | 1,843,000 | 2,413,000 |
| Income tax | 218,000 | 462,000 | 714,000 | 782,000 |
| Net income | 349,000 | 734,000 | 1,129,000 | 1,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,217,000 | 25,602,000 | 25,997,000 | 25,980,000 |
| Total capital | 27,054,000 | 27,413,000 | 27,809,000 | 27,916,000 |
| Risk-weighted assets | 146,985,000 | 148,422,000 | 153,122,000 | 154,915,000 |