Call reports 2008
FIRST SOUTHERN BANK — 2008
What FIRST SOUTHERN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 187,256,000 | 188,016,000 | 179,693,000 | 183,587,000 |
| Total loans | 138,807,000 | 143,341,000 | 144,748,000 | 147,690,000 |
| Allowance for loan losses | 1,404,000 | 1,319,000 | 1,368,000 | 1,410,000 |
| Securities available for sale | 13,282,000 | 16,169,000 | 15,817,000 | 15,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,395,000 | 168,741,000 | 162,183,000 | 149,082,000 |
| Interest-bearing deposits | 152,424,000 | 150,440,000 | 144,917,000 | 134,559,000 |
| Noninterest-bearing deposits | 16,971,000 | 18,301,000 | 17,266,000 | 14,523,000 |
| Equity capital | 13,775,000 | 13,722,000 | 13,865,000 | 14,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,892,000 | 5,738,000 | 9,068,000 | 11,953,000 |
| Interest expense | 1,428,000 | 2,773,000 | 4,029,000 | 5,103,000 |
| Net interest income | 1,464,000 | 2,965,000 | 5,039,000 | 6,850,000 |
| Noninterest income | 614,000 | 1,272,000 | 1,447,000 | 1,937,000 |
| Noninterest expense | 1,880,000 | 3,754,000 | 5,628,000 | 7,546,000 |
| Provision for loan losses | 75,000 | 150,000 | 299,000 | 449,000 |
| Pretax income | 123,000 | 333,000 | 559,000 | 792,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 114,000 | 315,000 | 532,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,578,000 | 13,736,000 | 13,924,000 | 13,995,000 |
| Total capital | 14,982,000 | 15,055,000 | 15,292,000 | 15,405,000 |
| Risk-weighted assets | 145,256,000 | 149,185,000 | 148,234,000 | 152,618,000 |
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