Call reports 2009
COMMUNITYSOUTH BANK AND TRUST — 2009
What COMMUNITYSOUTH BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 384,729,000 | 386,527,000 | 439,232,000 | 421,278,000 |
| Total loans | 316,629,000 | 307,087,000 | 292,959,000 | 275,104,000 |
| Allowance for loan losses | 9,413,000 | 9,688,000 | 10,325,000 | 12,963,000 |
| Securities available for sale | 49,780,000 | 42,615,000 | 113,864,000 | 103,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,747,000 | 324,688,000 | 378,390,000 | 376,920,000 |
| Interest-bearing deposits | 299,286,000 | 301,048,000 | 355,672,000 | 354,734,000 |
| Noninterest-bearing deposits | 23,461,000 | 23,640,000 | 22,718,000 | 22,186,000 |
| Equity capital | 31,044,000 | 30,237,000 | 29,146,000 | 12,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,934,000 | 9,560,000 | 14,392,000 | 19,228,000 |
| Interest expense | 1,950,000 | 3,778,000 | 5,797,000 | 8,095,000 |
| Net interest income | 2,984,000 | 5,782,000 | 8,595,000 | 11,133,000 |
| Noninterest income | 294,000 | 736,000 | 1,145,000 | 1,560,000 |
| Noninterest expense | 2,392,000 | 5,203,000 | 8,001,000 | 13,571,000 |
| Provision for loan losses | 1,305,000 | 2,805,000 | 6,305,000 | 16,990,000 |
| Pretax income | 101,000 | -970,000 | -4,046,000 | -16,706,000 |
| Income tax | 35,000 | -330,000 | -1,373,000 | 987,000 |
| Net income | 66,000 | -640,000 | -2,673,000 | -17,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,903,000 | 29,352,000 | 26,071,000 | 13,643,000 |
| Total capital | 35,066,000 | 33,304,000 | 29,823,000 | 17,201,000 |
| Risk-weighted assets | 327,854,000 | 310,436,000 | 293,578,000 | 275,206,000 |