Call reports 2005
COMMUNITYSOUTH BANK AND TRUST — 2005
What COMMUNITYSOUTH BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,315,000 | 83,300,000 | 122,162,000 | 135,368,000 |
| Total loans | 37,781,000 | 71,089,000 | 90,844,000 | 115,506,000 |
| Allowance for loan losses | 510,000 | 957,000 | 1,226,000 | 1,558,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,800,000 | 63,701,000 | 102,250,000 | 114,495,000 |
| Interest-bearing deposits | 12,284,000 | 51,674,000 | 86,443,000 | 100,266,000 |
| Noninterest-bearing deposits | 9,516,000 | 12,027,000 | 15,808,000 | 14,229,000 |
| Equity capital | 19,497,000 | 19,185,000 | 19,188,000 | 19,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 260,000 | 1,229,000 | 2,808,000 | 4,962,000 |
| Interest expense | 20,000 | 316,000 | 943,000 | 1,862,000 |
| Net interest income | 240,000 | 913,000 | 1,865,000 | 3,100,000 |
| Noninterest income | 40,000 | 127,000 | 195,000 | 311,000 |
| Noninterest expense | 1,120,000 | 1,850,000 | 2,595,000 | 3,439,000 |
| Provision for loan losses | 510,000 | 957,000 | 1,226,000 | 1,558,000 |
| Pretax income | -1,350,000 | -1,767,000 | -1,761,000 | -1,586,000 |
| Income tax | -347,000 | -451,000 | -449,000 | -391,000 |
| Net income | -1,003,000 | -1,316,000 | -1,312,000 | -1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,497,000 | 18,734,000 | 18,739,000 | 18,914,000 |
| Total capital | 20,000,000 | 19,669,000 | 19,965,000 | 20,472,000 |
| Risk-weighted assets | 39,465,000 | 74,532,000 | 98,383,000 | 124,824,000 |