Call reports 2010
COMMUNITY BANK OF THE SOUTH — 2010
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 376,331,000 | 376,319,000 | 373,376,000 | 360,241,000 |
| Total loans | 273,503,000 | 263,755,000 | 261,558,000 | 260,180,000 |
| Allowance for loan losses | 9,214,000 | 9,058,000 | 9,028,000 | 9,305,000 |
| Securities available for sale | 20,737,000 | 20,748,000 | 20,425,000 | 20,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,535,000 | 338,029,000 | 334,784,000 | 328,490,000 |
| Interest-bearing deposits | 312,915,000 | 312,859,000 | 308,948,000 | 304,196,000 |
| Noninterest-bearing deposits | 26,620,000 | 25,170,000 | 25,836,000 | 24,294,000 |
| Equity capital | 23,850,000 | 24,528,000 | 24,715,000 | 22,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,495,000 | 8,917,000 | 13,273,000 | 17,755,000 |
| Interest expense | 1,846,000 | 3,666,000 | 5,366,000 | 6,867,000 |
| Net interest income | 2,649,000 | 5,251,000 | 7,907,000 | 10,888,000 |
| Noninterest income | 208,000 | -100,000 | -277,000 | -1,284,000 |
| Noninterest expense | 1,916,000 | 4,025,000 | 6,185,000 | 8,349,000 |
| Provision for loan losses | 684,000 | 984,000 | 1,499,000 | 2,840,000 |
| Pretax income | 314,000 | 199,000 | 109,000 | -1,432,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 199,000 | 109,000 | -1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,509,000 | 23,942,000 | 24,003,000 | 22,562,000 |
| Total capital | 27,195,000 | 27,500,000 | 27,499,000 | 26,002,000 |
| Risk-weighted assets | 289,004,000 | 279,132,000 | 274,184,000 | 269,357,000 |