Call reports 2002
FIRST SOUTHERN NATIONAL BANK — 2002
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 376,545,000 | 365,219,000 | 378,166,000 | 375,518,000 |
| Total loans | 272,342,000 | 273,572,000 | 276,020,000 | 280,852,000 |
| Allowance for loan losses | 3,198,000 | 3,197,000 | 3,484,000 | 3,479,000 |
| Securities available for sale | 71,367,000 | 63,528,000 | 69,514,000 | 62,293,000 |
| Securities held to maturity | 259,000 | 180,000 | 162,000 | 142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,750,000 | 319,613,000 | 325,916,000 | 324,902,000 |
| Interest-bearing deposits | 268,075,000 | 261,455,000 | 266,956,000 | 267,097,000 |
| Noninterest-bearing deposits | 57,675,000 | 58,158,000 | 58,960,000 | 57,805,000 |
| Equity capital | 28,088,000 | 28,829,000 | 29,837,000 | 29,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,353,000 | 12,438,000 | 19,305,000 | 25,136,000 |
| Interest expense | 2,125,000 | 4,036,000 | 5,790,000 | 7,357,000 |
| Net interest income | 4,228,000 | 8,402,000 | 13,515,000 | 17,779,000 |
| Noninterest income | 613,000 | 1,211,000 | 1,760,000 | 2,462,000 |
| Noninterest expense | 2,623,000 | 5,388,000 | 7,990,000 | 10,799,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 300,000 |
| Pretax income | 2,218,000 | 4,225,000 | 6,985,000 | 9,142,000 |
| Income tax | 760,000 | 1,442,000 | 2,468,000 | 3,091,000 |
| Net income | 1,458,000 | 2,783,000 | 4,517,000 | 6,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,630,000 | 26,770,000 | 27,523,000 | 27,057,000 |
| Total capital | 29,828,000 | 29,967,000 | 31,007,000 | 30,536,000 |
| Risk-weighted assets | 281,510,000 | 280,404,000 | 282,547,000 | 287,171,000 |
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