Call reports 2012
COMMUNITY BANK OF THE SOUTH — 2012
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 362,068,000 | 363,182,000 | 369,057,000 | 361,444,000 |
| Total loans | 261,831,000 | 265,727,000 | 269,828,000 | 264,401,000 |
| Allowance for loan losses | 9,116,000 | 8,987,000 | 9,230,000 | 9,694,000 |
| Securities available for sale | 24,463,000 | 22,006,000 | 24,386,000 | 25,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,134,000 | 332,277,000 | 338,200,000 | 337,188,000 |
| Interest-bearing deposits | 297,108,000 | 298,877,000 | 298,610,000 | 296,086,000 |
| Noninterest-bearing deposits | 34,026,000 | 33,400,000 | 39,590,000 | 41,102,000 |
| Equity capital | 24,736,000 | 24,338,000 | 23,812,000 | 23,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,182,000 | 8,409,000 | 12,616,000 | 16,841,000 |
| Interest expense | 938,000 | 1,839,000 | 2,694,000 | 3,481,000 |
| Net interest income | 3,244,000 | 6,570,000 | 9,922,000 | 13,360,000 |
| Noninterest income | -652,000 | -1,898,000 | -3,232,000 | -3,638,000 |
| Noninterest expense | 2,106,000 | 4,253,000 | 6,457,000 | 8,519,000 |
| Provision for loan losses | 511,000 | 962,000 | 1,462,000 | 2,687,000 |
| Pretax income | 214,000 | -304,000 | -990,000 | -1,245,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | -304,000 | -990,000 | -1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,147,000 | 23,684,000 | 23,025,000 | 22,927,000 |
| Total capital | 27,652,000 | 27,234,000 | 26,611,000 | 26,434,000 |
| Risk-weighted assets | 274,767,000 | 278,606,000 | 281,223,000 | 274,324,000 |