Call reports 2009
FIRST SOUTHERN BANK — 2009
What FIRST SOUTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 188,322,000 | 189,165,000 | 188,659,000 | 188,537,000 |
| Total loans | 152,114,000 | 154,048,000 | 153,073,000 | 152,720,000 |
| Allowance for loan losses | 1,503,000 | 1,298,000 | 1,402,000 | 2,000,000 |
| Securities available for sale | 14,315,000 | 14,093,000 | 13,757,000 | 13,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,401,000 | 151,587,000 | 152,946,000 | 151,725,000 |
| Interest-bearing deposits | 137,105,000 | 137,424,000 | 136,395,000 | 135,687,000 |
| Noninterest-bearing deposits | 16,296,000 | 14,163,000 | 16,551,000 | 16,038,000 |
| Equity capital | 14,678,000 | 14,986,000 | 15,383,000 | 15,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,780,000 | 5,547,000 | 8,338,000 | 11,109,000 |
| Interest expense | 907,000 | 1,823,000 | 2,703,000 | 3,492,000 |
| Net interest income | 1,873,000 | 3,724,000 | 5,635,000 | 7,617,000 |
| Noninterest income | 535,000 | 1,178,000 | 1,877,000 | 2,566,000 |
| Noninterest expense | 1,816,000 | 3,773,000 | 5,699,000 | 7,795,000 |
| Provision for loan losses | 150,000 | 425,000 | 825,000 | 1,725,000 |
| Pretax income | 442,000 | 704,000 | 988,000 | 663,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 36,000 |
| Net income | 433,000 | 686,000 | 961,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,523,000 | 14,817,000 | 15,146,000 | 14,822,000 |
| Total capital | 16,026,000 | 16,115,000 | 16,548,000 | 16,780,000 |
| Risk-weighted assets | 157,106,000 | 157,103,000 | 156,645,000 | 155,877,000 |
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