Call reports 2012
FIRST SOUTHERN BANK — 2012
What FIRST SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 205,783,000 | 202,413,000 | 201,191,000 | 199,204,000 |
| Total loans | 143,820,000 | 143,217,000 | 137,359,000 | 134,708,000 |
| Allowance for loan losses | 2,325,000 | 2,455,000 | 2,273,000 | 2,235,000 |
| Securities available for sale | 33,082,000 | 36,430,000 | 37,606,000 | 38,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,358,000 | 165,336,000 | 163,383,000 | 161,338,000 |
| Interest-bearing deposits | 147,348,000 | 141,918,000 | 138,255,000 | 137,432,000 |
| Noninterest-bearing deposits | 22,010,000 | 23,418,000 | 25,128,000 | 23,906,000 |
| Equity capital | 17,095,000 | 17,659,000 | 18,452,000 | 18,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,452,000 | 4,890,000 | 7,273,000 | 9,602,000 |
| Interest expense | 448,000 | 885,000 | 1,305,000 | 1,710,000 |
| Net interest income | 2,004,000 | 4,005,000 | 5,968,000 | 7,892,000 |
| Noninterest income | 554,000 | 1,135,000 | 1,763,000 | 2,384,000 |
| Noninterest expense | 1,889,000 | 3,760,000 | 5,601,000 | 7,522,000 |
| Provision for loan losses | 200,000 | 350,000 | 500,000 | 650,000 |
| Pretax income | 469,000 | 1,030,000 | 1,630,000 | 2,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 469,000 | 1,030,000 | 1,630,000 | 2,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,585,000 | 16,896,000 | 17,496,000 | 17,720,000 |
| Total capital | 18,493,000 | 18,786,000 | 19,335,000 | 19,519,000 |
| Risk-weighted assets | 151,472,000 | 149,852,000 | 145,943,000 | 142,722,000 |