Call reports 2005
FIRST SOUTHERN NATIONAL BANK — 2005
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 380,755,000 | 397,047,000 | 685,681,000 | 691,594,000 |
| Total loans | 303,448,000 | 322,741,000 | 520,776,000 | 510,411,000 |
| Allowance for loan losses | 3,367,000 | 3,366,000 | 5,841,000 | 6,021,000 |
| Securities available for sale | 45,076,000 | 41,226,000 | 99,139,000 | 109,793,000 |
| Securities held to maturity | 4,038,000 | 4,037,000 | 4,245,000 | 4,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,361,000 | 327,572,000 | 595,252,000 | 606,497,000 |
| Interest-bearing deposits | 242,549,000 | 256,798,000 | 494,637,000 | 502,042,000 |
| Noninterest-bearing deposits | 67,812,000 | 70,774,000 | 100,615,000 | 104,455,000 |
| Equity capital | 29,454,000 | 31,067,000 | 66,060,000 | 63,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,329,000 | 11,118,000 | 29,086,000 | 39,650,000 |
| Interest expense | 1,183,000 | 2,564,000 | 7,533,000 | 10,689,000 |
| Net interest income | 4,146,000 | 8,554,000 | 21,553,000 | 28,961,000 |
| Noninterest income | 552,000 | 1,088,000 | 2,992,000 | 3,929,000 |
| Noninterest expense | 2,923,000 | 6,056,000 | 15,241,000 | 21,472,000 |
| Provision for loan losses | 0 | 0 | 275,000 | 575,000 |
| Pretax income | 1,775,000 | 3,595,000 | 12,051,000 | 13,865,000 |
| Income tax | 601,000 | 1,216,000 | 3,736,000 | 4,267,000 |
| Net income | 1,174,000 | 2,379,000 | 8,315,000 | 9,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,312,000 | 29,916,000 | 50,580,000 | 48,261,000 |
| Total capital | 31,679,000 | 33,282,000 | 56,421,000 | 54,282,000 |
| Risk-weighted assets | 306,347,000 | 327,850,000 | 521,352,000 | 516,414,000 |
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