Call reports 2013
COMMUNITY BANK OF THE SOUTH — 2013
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 365,016,000 | 361,604,000 | 351,023,000 | 350,482,000 |
| Total loans | 265,610,000 | 269,507,000 | 267,180,000 | 272,756,000 |
| Allowance for loan losses | 9,865,000 | 9,501,000 | 9,465,000 | 9,498,000 |
| Securities available for sale | 25,179,000 | 25,623,000 | 25,925,000 | 25,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,067,000 | 336,680,000 | 325,013,000 | 325,008,000 |
| Interest-bearing deposits | 302,179,000 | 298,097,000 | 290,029,000 | 287,416,000 |
| Noninterest-bearing deposits | 37,888,000 | 38,583,000 | 34,984,000 | 37,592,000 |
| Equity capital | 23,799,000 | 23,484,000 | 24,132,000 | 24,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,087,000 | 8,266,000 | 12,409,000 | 16,396,000 |
| Interest expense | 707,000 | 1,371,000 | 1,992,000 | 2,573,000 |
| Net interest income | 3,380,000 | 6,895,000 | 10,417,000 | 13,823,000 |
| Noninterest income | -675,000 | -1,664,000 | -1,910,000 | -2,161,000 |
| Noninterest expense | 2,062,000 | 4,277,000 | 6,390,000 | 8,377,000 |
| Provision for loan losses | 451,000 | 451,000 | 1,126,000 | 1,351,000 |
| Pretax income | 192,000 | 503,000 | 991,000 | 1,934,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 192,000 | 503,000 | 991,000 | 1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,118,000 | 23,529,000 | 24,017,000 | 25,060,000 |
| Total capital | 26,622,000 | 27,008,000 | 27,431,000 | 28,503,000 |
| Risk-weighted assets | 273,969,000 | 272,340,000 | 267,123,000 | 269,454,000 |