Call reports 2004
FIRST SOUTHERN NATIONAL BANK — 2004
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 381,742,000 | 366,018,000 | 379,231,000 | 376,903,000 |
| Total loans | 271,079,000 | 277,494,000 | 297,764,000 | 293,944,000 |
| Allowance for loan losses | 3,381,000 | 3,380,000 | 3,356,000 | 3,361,000 |
| Securities available for sale | 78,507,000 | 56,350,000 | 51,318,000 | 47,440,000 |
| Securities held to maturity | 52,000 | 40,000 | 39,000 | 4,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,406,000 | 321,080,000 | 321,618,000 | 329,389,000 |
| Interest-bearing deposits | 275,523,000 | 258,303,000 | 252,211,000 | 259,382,000 |
| Noninterest-bearing deposits | 59,883,000 | 62,777,000 | 69,407,000 | 70,007,000 |
| Equity capital | 29,566,000 | 28,535,000 | 28,909,000 | 29,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,952,000 | 9,815,000 | 14,860,000 | 20,381,000 |
| Interest expense | 1,103,000 | 2,185,000 | 3,242,000 | 4,392,000 |
| Net interest income | 3,849,000 | 7,630,000 | 11,618,000 | 15,989,000 |
| Noninterest income | 604,000 | 1,174,000 | 1,761,000 | 2,345,000 |
| Noninterest expense | 2,897,000 | 5,890,000 | 9,037,000 | 12,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,556,000 | 2,914,000 | 4,342,000 | 6,342,000 |
| Income tax | 520,000 | 976,000 | 1,456,000 | 2,065,000 |
| Net income | 1,036,000 | 1,938,000 | 2,886,000 | 4,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,496,000 | 27,373,000 | 27,421,000 | 28,137,000 |
| Total capital | 30,877,000 | 30,753,000 | 30,777,000 | 31,498,000 |
| Risk-weighted assets | 281,392,000 | 282,438,000 | 303,189,000 | 301,523,000 |
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