Call reports 2010
FIRST SOUTHERN BANK — 2010
What FIRST SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 195,394,000 | 197,248,000 | 189,778,000 | 185,644,000 |
| Total loans | 150,556,000 | 149,581,000 | 150,472,000 | 148,970,000 |
| Allowance for loan losses | 1,755,000 | 1,953,000 | 2,019,000 | 2,242,000 |
| Securities available for sale | 13,996,000 | 19,569,000 | 17,727,000 | 13,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,150,000 | 160,863,000 | 149,670,000 | 147,195,000 |
| Interest-bearing deposits | 80,503,000 | 88,346,000 | 85,384,000 | 85,036,000 |
| Noninterest-bearing deposits | 78,647,000 | 72,517,000 | 64,286,000 | 62,159,000 |
| Equity capital | 15,220,000 | 15,401,000 | 15,795,000 | 15,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,598,000 | 5,051,000 | 7,771,000 | 10,313,000 |
| Interest expense | 784,000 | 1,582,000 | 2,219,000 | 2,807,000 |
| Net interest income | 1,814,000 | 3,469,000 | 5,552,000 | 7,506,000 |
| Noninterest income | 487,000 | 1,120,000 | 2,106,000 | 2,635,000 |
| Noninterest expense | 1,827,000 | 3,626,000 | 5,869,000 | 7,899,000 |
| Provision for loan losses | 300,000 | 575,000 | 825,000 | 1,275,000 |
| Pretax income | 174,000 | 388,000 | 866,000 | 967,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | 388,000 | 866,000 | 967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,000,000 | 15,097,000 | 15,427,000 | 15,421,000 |
| Total capital | 16,755,000 | 17,050,000 | 17,367,000 | 17,334,000 |
| Risk-weighted assets | 156,840,000 | 156,077,000 | 154,369,000 | 151,943,000 |