Call reports 2010
COMMUNITYSOUTH BANK AND TRUST — 2010
What COMMUNITYSOUTH BANK AND TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 440,542,000 | 463,947,000 | 440,609,000 | 340,986,000 |
| Total loans | 259,739,000 | 244,776,000 | 234,490,000 | 216,752,000 |
| Allowance for loan losses | 12,941,000 | 11,601,000 | 11,437,000 | 9,652,000 |
| Securities available for sale | 158,381,000 | 191,446,000 | 146,125,000 | 76,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,995,000 | 421,629,000 | 402,416,000 | 314,250,000 |
| Interest-bearing deposits | 372,274,000 | 398,832,000 | 377,870,000 | 293,830,000 |
| Noninterest-bearing deposits | 24,721,000 | 22,797,000 | 24,546,000 | 20,420,000 |
| Equity capital | 11,474,000 | 10,240,000 | 5,995,000 | -4,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,217,000 | 8,315,000 | 11,995,000 | 15,395,000 |
| Interest expense | 2,214,000 | 4,615,000 | 7,124,000 | 9,019,000 |
| Net interest income | 2,003,000 | 3,700,000 | 4,871,000 | 6,376,000 |
| Noninterest income | 353,000 | 773,000 | 1,256,000 | 1,616,000 |
| Noninterest expense | 3,367,000 | 6,806,000 | 10,660,000 | 15,535,000 |
| Provision for loan losses | 1,000,000 | 2,000,000 | 5,000,000 | 9,500,000 |
| Pretax income | -1,957,000 | -3,855,000 | -8,461,000 | -15,986,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,957,000 | -3,855,000 | -8,461,000 | -15,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,685,000 | 9,788,000 | 5,181,000 | -2,344,000 |
| Total capital | 14,969,000 | 12,904,000 | 8,254,000 | -2,344,000 |
| Risk-weighted assets | 253,086,000 | 240,795,000 | 237,528,000 | 230,979,000 |