Call reports 2006
COMMUNITY BANK OF THE SOUTH — 2006
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 316,706,000 | 340,953,000 | 360,120,000 | 370,741,000 |
| Total loans | 260,598,000 | 272,625,000 | 282,208,000 | 308,069,000 |
| Allowance for loan losses | 3,398,000 | 3,560,000 | 3,784,000 | 4,021,000 |
| Securities available for sale | 32,873,000 | 33,403,000 | 36,968,000 | 38,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,413,000 | 306,123,000 | 322,248,000 | 332,552,000 |
| Interest-bearing deposits | 250,248,000 | 275,583,000 | 292,272,000 | 307,633,000 |
| Noninterest-bearing deposits | 33,165,000 | 30,540,000 | 29,976,000 | 24,919,000 |
| Equity capital | 27,211,000 | 27,584,000 | 29,319,000 | 31,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,724,000 | 12,187,000 | 19,187,000 | 26,639,000 |
| Interest expense | 2,418,000 | 5,283,000 | 8,653,000 | 12,359,000 |
| Net interest income | 3,306,000 | 6,904,000 | 10,534,000 | 14,280,000 |
| Noninterest income | 257,000 | 464,000 | 736,000 | 1,063,000 |
| Noninterest expense | 1,888,000 | 3,827,000 | 5,778,000 | 7,870,000 |
| Provision for loan losses | 183,000 | 402,000 | 618,000 | 875,000 |
| Pretax income | 1,492,000 | 2,880,000 | 4,615,000 | 6,339,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,492,000 | 2,880,000 | 4,615,000 | 6,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,825,000 | 28,301,000 | 29,358,000 | 31,075,000 |
| Total capital | 31,223,000 | 31,860,000 | 33,142,000 | 35,082,000 |
| Risk-weighted assets | 280,356,000 | 292,529,000 | 305,377,000 | 320,084,000 |