Call reports 2011
FIRST SOUTHERN BANK — 2011
What FIRST SOUTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 191,742,000 | 195,673,000 | 197,821,000 | 199,121,000 |
| Total loans | 146,243,000 | 146,959,000 | 144,703,000 | 144,840,000 |
| Allowance for loan losses | 2,312,000 | 2,233,000 | 2,194,000 | 2,275,000 |
| Securities available for sale | 19,109,000 | 21,181,000 | 27,350,000 | 29,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,316,000 | 159,703,000 | 161,450,000 | 162,437,000 |
| Interest-bearing deposits | 135,579,000 | 140,217,000 | 141,561,000 | 142,708,000 |
| Noninterest-bearing deposits | 20,737,000 | 19,486,000 | 19,889,000 | 19,729,000 |
| Equity capital | 15,827,000 | 16,277,000 | 16,734,000 | 17,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 5,065,000 | 7,646,000 | 10,141,000 |
| Interest expense | 560,000 | 1,108,000 | 1,622,000 | 2,094,000 |
| Net interest income | 1,954,000 | 3,957,000 | 6,024,000 | 8,047,000 |
| Noninterest income | 533,000 | 1,147,000 | 1,655,000 | 2,187,000 |
| Noninterest expense | 1,936,000 | 3,867,000 | 5,716,000 | 7,605,000 |
| Provision for loan losses | 200,000 | 425,000 | 685,000 | 935,000 |
| Pretax income | 351,000 | 763,000 | 1,278,000 | 1,694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 351,000 | 763,000 | 1,278,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,648,000 | 15,885,000 | 16,201,000 | 16,616,000 |
| Total capital | 17,554,000 | 17,796,000 | 18,092,000 | 18,515,000 |
| Risk-weighted assets | 151,333,000 | 151,814,000 | 150,879,000 | 150,804,000 |