Call reports 2006
FIRST SOUTHERN BANK — 2006
What FIRST SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 157,840,000 | 157,082,000 | 149,587,000 | 152,040,000 |
| Total loans | 95,625,000 | 96,368,000 | 107,210,000 | 111,595,000 |
| Allowance for loan losses | 1,024,000 | 830,000 | 903,000 | 1,026,000 |
| Securities available for sale | 18,417,000 | 22,334,000 | 20,119,000 | 17,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,301,000 | 139,741,000 | 129,828,000 | 133,004,000 |
| Interest-bearing deposits | 116,242,000 | 119,641,000 | 112,330,000 | 119,436,000 |
| Noninterest-bearing deposits | 19,059,000 | 20,100,000 | 17,498,000 | 13,568,000 |
| Equity capital | 11,940,000 | 12,253,000 | 12,895,000 | 13,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,229,000 | 4,588,000 | 7,009,000 | 9,580,000 |
| Interest expense | 770,000 | 1,594,000 | 2,443,000 | 3,435,000 |
| Net interest income | 1,459,000 | 2,994,000 | 4,566,000 | 6,145,000 |
| Noninterest income | 505,000 | 1,061,000 | 1,642,000 | 2,202,000 |
| Noninterest expense | 1,508,000 | 3,027,000 | 4,553,000 | 6,188,000 |
| Provision for loan losses | 73,000 | 222,000 | 371,000 | 519,000 |
| Pretax income | 383,000 | 806,000 | 1,230,000 | 1,586,000 |
| Income tax | -6,000 | 3,000 | 12,000 | 13,000 |
| Net income | 389,000 | 803,000 | 1,218,000 | 1,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,070,000 | 12,424,000 | 12,947,000 | 13,293,000 |
| Total capital | 13,094,000 | 13,254,000 | 13,850,000 | 14,319,000 |
| Risk-weighted assets | 100,848,000 | 105,365,000 | 112,039,000 | 115,507,000 |
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