Call reports 2004
COMMUNITY BANK OF THE SOUTH — 2004
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 185,184,000 | 200,378,000 | 222,417,000 | 228,335,000 |
| Total loans | 148,630,000 | 160,922,000 | 172,860,000 | 188,627,000 |
| Allowance for loan losses | 1,748,000 | 1,918,000 | 2,085,000 | 2,262,000 |
| Securities available for sale | 21,674,000 | 26,547,000 | 28,222,000 | 29,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,772,000 | 180,887,000 | 199,573,000 | 203,418,000 |
| Interest-bearing deposits | 146,352,000 | 158,135,000 | 172,140,000 | 181,233,000 |
| Noninterest-bearing deposits | 19,420,000 | 22,752,000 | 27,433,000 | 22,185,000 |
| Equity capital | 15,539,000 | 15,438,000 | 18,302,000 | 19,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,453,000 | 5,086,000 | 8,103,000 | 11,387,000 |
| Interest expense | 780,000 | 1,604,000 | 2,564,000 | 3,659,000 |
| Net interest income | 1,673,000 | 3,482,000 | 5,539,000 | 7,728,000 |
| Noninterest income | 96,000 | 232,000 | 365,000 | 498,000 |
| Noninterest expense | 1,235,000 | 2,541,000 | 3,931,000 | 5,299,000 |
| Provision for loan losses | 166,000 | 337,000 | 529,000 | 774,000 |
| Pretax income | 368,000 | 836,000 | 1,444,000 | 2,153,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 368,000 | 836,000 | 1,444,000 | 2,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,066,000 | 15,568,000 | 18,038,000 | 19,171,000 |
| Total capital | 16,814,000 | 17,486,000 | 20,123,000 | 21,433,000 |
| Risk-weighted assets | 158,884,000 | 170,680,000 | 183,425,000 | 201,502,000 |