Call reports 2007
FIRST SOUTHERN BANK — 2007
What FIRST SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 154,106,000 | 160,599,000 | 167,205,000 | 176,827,000 |
| Total loans | 115,215,000 | 123,774,000 | 130,332,000 | 133,770,000 |
| Allowance for loan losses | 1,180,000 | 1,292,000 | 1,325,000 | 1,334,000 |
| Securities available for sale | 15,295,000 | 15,457,000 | 12,905,000 | 12,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,476,000 | 138,401,000 | 148,497,000 | 159,156,000 |
| Interest-bearing deposits | 119,118,000 | 118,949,000 | 130,922,000 | 143,340,000 |
| Noninterest-bearing deposits | 16,358,000 | 19,452,000 | 17,575,000 | 15,816,000 |
| Equity capital | 12,855,000 | 12,998,000 | 13,122,000 | 13,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,590,000 | 5,274,000 | 8,192,000 | 11,117,000 |
| Interest expense | 1,052,000 | 2,180,000 | 3,471,000 | 4,794,000 |
| Net interest income | 1,538,000 | 3,094,000 | 4,721,000 | 6,323,000 |
| Noninterest income | 610,000 | 1,245,000 | 1,938,000 | 2,588,000 |
| Noninterest expense | 1,595,000 | 3,227,000 | 4,959,000 | 6,852,000 |
| Provision for loan losses | 150,000 | 299,000 | 374,000 | 449,000 |
| Pretax income | 403,000 | 813,000 | 1,326,000 | 1,610,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 394,000 | 795,000 | 1,299,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,889,000 | 13,076,000 | 13,172,000 | 13,447,000 |
| Total capital | 14,069,000 | 14,368,000 | 14,497,000 | 14,781,000 |
| Risk-weighted assets | 118,588,000 | 122,314,000 | 132,937,000 | 136,648,000 |
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