Call reports 2013
FIRST SOUTHERN BANK — 2013
What FIRST SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 202,421,000 | 203,924,000 | 208,869,000 | 191,454,000 |
| Total loans | 134,440,000 | 130,977,000 | 129,219,000 | 128,871,000 |
| Allowance for loan losses | 2,343,000 | 2,245,000 | 2,217,000 | 2,551,000 |
| Securities available for sale | 36,978,000 | 37,648,000 | 36,582,000 | 36,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,024,000 | 166,775,000 | 171,454,000 | 171,370,000 |
| Interest-bearing deposits | 142,406,000 | 142,262,000 | 141,662,000 | 145,812,000 |
| Noninterest-bearing deposits | 22,618,000 | 24,513,000 | 29,792,000 | 25,558,000 |
| Equity capital | 18,355,000 | 17,969,000 | 18,269,000 | 18,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,253,000 | 4,485,000 | 6,676,000 | 8,829,000 |
| Interest expense | 387,000 | 762,000 | 1,125,000 | 1,416,000 |
| Net interest income | 1,866,000 | 3,723,000 | 5,551,000 | 7,413,000 |
| Noninterest income | 523,000 | 1,139,000 | 1,700,000 | 2,317,000 |
| Noninterest expense | 1,876,000 | 3,774,000 | 5,670,000 | 7,591,000 |
| Provision for loan losses | 75,000 | 200,000 | 275,000 | 700,000 |
| Pretax income | 438,000 | 888,000 | 1,306,000 | 1,439,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 438,000 | 888,000 | 1,306,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,558,000 | 18,008,000 | 18,176,000 | 18,059,000 |
| Total capital | 19,227,000 | 19,766,000 | 19,927,000 | 19,747,000 |
| Risk-weighted assets | 142,169,000 | 139,404,000 | 138,820,000 | 134,100,000 |