Call reports 2005
COMMUNITY BANK OF THE SOUTH — 2005
What COMMUNITY BANK OF THE SOUTH 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 | 256,446,000 | 282,552,000 | 284,305,000 | 309,392,000 |
| Total loans | 212,021,000 | 223,685,000 | 233,298,000 | 250,920,000 |
| Allowance for loan losses | 2,531,000 | 2,732,000 | 2,949,000 | 3,211,000 |
| Securities available for sale | 29,455,000 | 29,092,000 | 31,331,000 | 28,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,127,000 | 251,462,000 | 254,671,000 | 276,102,000 |
| Interest-bearing deposits | 204,868,000 | 226,608,000 | 225,977,000 | 243,847,000 |
| Noninterest-bearing deposits | 22,259,000 | 24,854,000 | 28,694,000 | 32,255,000 |
| Equity capital | 20,945,000 | 22,952,000 | 23,823,000 | 25,895,000 |
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 | 3,778,000 | 8,033,000 | 12,750,000 | 17,975,000 |
| Interest expense | 1,277,000 | 2,943,000 | 4,802,000 | 6,908,000 |
| Net interest income | 2,501,000 | 5,090,000 | 7,948,000 | 11,067,000 |
| Noninterest income | 125,000 | 300,000 | 482,000 | 661,000 |
| Noninterest expense | 1,477,000 | 3,096,000 | 4,834,000 | 6,632,000 |
| Provision for loan losses | 269,000 | 471,000 | 692,000 | 979,000 |
| Pretax income | 880,000 | 1,823,000 | 2,904,000 | 4,117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 880,000 | 1,823,000 | 2,904,000 | 4,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,356,000 | 23,011,000 | 24,137,000 | 26,344,000 |
| Total capital | 23,887,000 | 25,743,000 | 27,086,000 | 29,555,000 |
| Risk-weighted assets | 226,104,000 | 244,212,000 | 251,878,000 | 273,430,000 |