Call reports 2014
COMMUNITY BANK OF THE SOUTH — 2014
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 348,369,000 | 346,467,000 | 345,747,000 | 348,216,000 |
| Total loans | 266,263,000 | 270,548,000 | 274,031,000 | 286,196,000 |
| Allowance for loan losses | 8,799,000 | 7,884,000 | 7,871,000 | 6,787,000 |
| Securities available for sale | 27,670,000 | 25,919,000 | 24,706,000 | 22,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,889,000 | 317,262,000 | 312,096,000 | 308,286,000 |
| Interest-bearing deposits | 280,633,000 | 269,677,000 | 267,716,000 | 262,794,000 |
| Noninterest-bearing deposits | 40,256,000 | 47,585,000 | 44,380,000 | 45,492,000 |
| Equity capital | 26,318,000 | 27,919,000 | 29,112,000 | 30,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,933,000 | 7,946,000 | 11,912,000 | 15,951,000 |
| Interest expense | 538,000 | 1,055,000 | 1,564,000 | 2,073,000 |
| Net interest income | 3,395,000 | 6,891,000 | 10,348,000 | 13,878,000 |
| Noninterest income | -110,000 | -313,000 | -335,000 | -1,101,000 |
| Noninterest expense | 2,091,000 | 4,059,000 | 6,285,000 | 8,278,000 |
| Provision for loan losses | 0 | 0 | 0 | -600,000 |
| Pretax income | 1,194,000 | 2,450,000 | 3,659,000 | 5,031,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,194,000 | 2,450,000 | 3,659,000 | 5,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,254,000 | 27,562,000 | 28,771,000 | 30,143,000 |
| Total capital | 29,628,000 | 30,976,000 | 32,210,000 | 33,742,000 |
| Risk-weighted assets | 264,564,000 | 268,680,000 | 270,678,000 | 284,734,000 |