Call reports 2015
COMMUNITY BANK OF THE SOUTH — 2015
What COMMUNITY BANK OF THE SOUTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 362,071,000 | 361,818,000 | 368,675,000 | 369,733,000 |
| Total loans | 281,151,000 | 275,570,000 | 295,706,000 | 303,770,000 |
| Allowance for loan losses | 6,668,000 | 5,502,000 | 4,900,000 | 4,938,000 |
| Securities available for sale | 21,340,000 | 22,685,000 | 23,839,000 | 23,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,052,000 | 326,454,000 | 330,594,000 | 331,092,000 |
| Interest-bearing deposits | 271,665,000 | 269,993,000 | 271,813,000 | 274,652,000 |
| Noninterest-bearing deposits | 51,387,000 | 56,461,000 | 58,781,000 | 56,440,000 |
| Equity capital | 32,037,000 | 34,207,000 | 36,704,000 | 37,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,167,000 | 8,189,000 | 12,317,000 | 16,492,000 |
| Interest expense | 507,000 | 1,018,000 | 1,530,000 | 2,037,000 |
| Net interest income | 3,660,000 | 7,171,000 | 10,787,000 | 14,455,000 |
| Noninterest income | -120,000 | 207,000 | 528,000 | 805,000 |
| Noninterest expense | 2,114,000 | 4,472,000 | 6,719,000 | 9,337,000 |
| Provision for loan losses | -75,000 | -1,300,000 | -1,900,000 | -1,900,000 |
| Pretax income | 1,501,000 | 4,206,000 | 6,496,000 | 7,823,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,501,000 | 4,206,000 | 6,496,000 | 7,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,648,000 | 33,999,000 | 36,289,000 | 37,616,000 |
| Total capital | 35,216,000 | 37,514,000 | 40,024,000 | 41,452,000 |
| Risk-weighted assets | 282,299,000 | 279,175,000 | 297,637,000 | 305,802,000 |