Call reports 2002
COMMUNITY BANK OF THE SOUTH — 2002
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 112,779,000 | 116,364,000 | 126,714,000 | 133,402,000 |
| Total loans | 81,567,000 | 88,616,000 | 91,240,000 | 95,725,000 |
| Allowance for loan losses | 892,000 | 967,000 | 1,034,000 | 1,149,000 |
| Securities available for sale | 22,015,000 | 21,542,000 | 21,465,000 | 20,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,988,000 | 105,241,000 | 114,449,000 | 121,132,000 |
| Interest-bearing deposits | 93,090,000 | 94,318,000 | 103,065,000 | 108,824,000 |
| Noninterest-bearing deposits | 8,898,000 | 10,923,000 | 11,384,000 | 12,308,000 |
| Equity capital | 9,522,000 | 9,876,000 | 10,830,000 | 11,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,863,000 | 3,820,000 | 5,904,000 | 7,957,000 |
| Interest expense | 842,000 | 1,657,000 | 2,487,000 | 3,305,000 |
| Net interest income | 1,021,000 | 2,163,000 | 3,417,000 | 4,652,000 |
| Noninterest income | 64,000 | 153,000 | 209,000 | 318,000 |
| Noninterest expense | 781,000 | 1,574,000 | 2,408,000 | 3,195,000 |
| Provision for loan losses | 101,000 | 243,000 | 319,000 | 449,000 |
| Pretax income | 203,000 | 499,000 | 899,000 | 1,326,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 499,000 | 899,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,372,000 | 9,377,000 | 10,078,000 | 10,620,000 |
| Total capital | 10,264,000 | 10,344,000 | 11,112,000 | 11,769,000 |
| Risk-weighted assets | 91,698,000 | 97,438,000 | 102,728,000 | 106,938,000 |