Call reports 2008
COMMUNITY BANK OF THE SOUTH — 2008
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 435,613,000 | 420,670,000 | 406,886,000 | 406,824,000 |
| Total loans | 363,541,000 | 349,655,000 | 342,165,000 | 327,070,000 |
| Allowance for loan losses | 4,935,000 | 5,633,000 | 6,924,000 | 7,488,000 |
| Securities available for sale | 38,032,000 | 34,262,000 | 31,663,000 | 30,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,644,000 | 365,384,000 | 352,922,000 | 356,425,000 |
| Interest-bearing deposits | 354,245,000 | 339,364,000 | 331,466,000 | 336,428,000 |
| Noninterest-bearing deposits | 24,399,000 | 26,020,000 | 21,456,000 | 19,997,000 |
| Equity capital | 36,899,000 | 35,380,000 | 34,194,000 | 32,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,031,000 | 12,979,000 | 18,766,000 | 24,002,000 |
| Interest expense | 4,171,000 | 7,680,000 | 10,937,000 | 14,045,000 |
| Net interest income | 2,860,000 | 5,299,000 | 7,829,000 | 9,957,000 |
| Noninterest income | 287,000 | 525,000 | 823,000 | 546,000 |
| Noninterest expense | 2,137,000 | 4,204,000 | 6,431,000 | 8,353,000 |
| Provision for loan losses | 746,000 | 2,229,000 | 4,015,000 | 9,668,000 |
| Pretax income | 264,000 | -425,000 | -1,610,000 | -7,334,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 264,000 | -425,000 | -1,610,000 | -7,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,957,000 | 35,268,000 | 34,083,000 | 31,597,000 |
| Total capital | 40,612,000 | 39,879,000 | 38,578,000 | 35,946,000 |
| Risk-weighted assets | 377,337,000 | 367,867,000 | 357,158,000 | 344,823,000 |