Call reports 2003
FIRST SOUTHERN NATIONAL BANK — 2003
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 376,825,000 | 362,315,000 | 363,802,000 | 367,047,000 |
| Total loans | 281,136,000 | 274,873,000 | 265,969,000 | 262,792,000 |
| Allowance for loan losses | 3,474,000 | 3,406,000 | 3,409,000 | 3,385,000 |
| Securities available for sale | 58,881,000 | 53,858,000 | 63,632,000 | 67,651,000 |
| Securities held to maturity | 124,000 | 106,000 | 93,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,952,000 | 315,124,000 | 321,986,000 | 325,534,000 |
| Interest-bearing deposits | 267,102,000 | 255,078,000 | 262,725,000 | 260,306,000 |
| Noninterest-bearing deposits | 60,850,000 | 60,046,000 | 59,261,000 | 65,228,000 |
| Equity capital | 29,206,000 | 30,561,000 | 29,428,000 | 28,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,524,000 | 10,895,000 | 15,957,000 | 21,025,000 |
| Interest expense | 1,437,000 | 2,777,000 | 4,013,000 | 5,133,000 |
| Net interest income | 4,087,000 | 8,118,000 | 11,944,000 | 15,892,000 |
| Noninterest income | 632,000 | 1,325,000 | 2,112,000 | 2,703,000 |
| Noninterest expense | 2,693,000 | 5,602,000 | 8,373,000 | 11,684,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,026,000 | 3,841,000 | 5,663,000 | 6,874,000 |
| Income tax | 685,000 | 1,292,000 | 1,899,000 | 2,321,000 |
| Net income | 1,341,000 | 2,549,000 | 3,764,000 | 4,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,123,000 | 28,332,000 | 27,671,000 | 27,260,000 |
| Total capital | 30,597,000 | 31,738,000 | 31,054,000 | 30,630,000 |
| Risk-weighted assets | 284,770,000 | 277,046,000 | 270,587,000 | 269,596,000 |
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