Call reports 2007
COMMUNITY BANK OF THE SOUTH — 2007
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 397,485,000 | 426,165,000 | 446,962,000 | 438,018,000 |
| Total loans | 324,239,000 | 362,462,000 | 367,042,000 | 370,249,000 |
| Allowance for loan losses | 4,240,000 | 4,517,000 | 4,857,000 | 4,727,000 |
| Securities available for sale | 40,692,000 | 40,976,000 | 41,974,000 | 40,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,482,000 | 371,656,000 | 389,617,000 | 382,486,000 |
| Interest-bearing deposits | 330,299,000 | 345,123,000 | 359,113,000 | 359,249,000 |
| Noninterest-bearing deposits | 28,183,000 | 26,533,000 | 30,504,000 | 23,237,000 |
| Equity capital | 31,845,000 | 34,313,000 | 36,180,000 | 36,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,599,000 | 15,906,000 | 24,362,000 | 32,434,000 |
| Interest expense | 3,967,000 | 8,259,000 | 12,883,000 | 17,442,000 |
| Net interest income | 3,632,000 | 7,647,000 | 11,479,000 | 14,992,000 |
| Noninterest income | 283,000 | 511,000 | 824,000 | 1,134,000 |
| Noninterest expense | 2,095,000 | 4,276,000 | 6,456,000 | 8,663,000 |
| Provision for loan losses | 219,000 | 548,000 | 1,015,000 | 2,405,000 |
| Pretax income | 1,601,000 | 3,334,000 | 4,832,000 | 5,058,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,601,000 | 3,334,000 | 4,832,000 | 5,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,801,000 | 34,772,000 | 36,075,000 | 35,693,000 |
| Total capital | 36,025,000 | 39,290,000 | 40,889,000 | 40,420,000 |
| Risk-weighted assets | 337,899,000 | 373,060,000 | 385,112,000 | 386,005,000 |