Call reports 2009
FIRST SOUTHERN NATIONAL BANK — 2009
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 708,897,000 | 661,570,000 | 652,113,000 | 650,290,000 |
| Total loans | 459,992,000 | 431,746,000 | 404,498,000 | 398,166,000 |
| Allowance for loan losses | 6,957,000 | 7,737,000 | 7,375,000 | 6,916,000 |
| Securities available for sale | 122,278,000 | 155,168,000 | 185,228,000 | 171,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 602,242,000 | 561,656,000 | 550,612,000 | 544,402,000 |
| Interest-bearing deposits | 491,177,000 | 456,352,000 | 443,009,000 | 435,786,000 |
| Noninterest-bearing deposits | 111,065,000 | 105,304,000 | 107,603,000 | 108,616,000 |
| Equity capital | 74,959,000 | 75,607,000 | 77,050,000 | 79,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,563,000 | 16,613,000 | 24,040,000 | 32,823,000 |
| Interest expense | 2,638,000 | 4,853,000 | 6,710,000 | 8,358,000 |
| Net interest income | 5,925,000 | 11,760,000 | 17,330,000 | 24,465,000 |
| Noninterest income | 1,094,000 | 2,269,000 | 3,295,000 | 4,579,000 |
| Noninterest expense | 5,168,000 | 10,500,000 | 15,472,000 | 20,858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,013,000 | 4,690,000 | 6,314,000 | 9,352,000 |
| Income tax | 929,000 | 1,401,000 | 1,858,000 | 2,818,000 |
| Net income | 2,041,000 | 3,207,000 | 4,340,000 | 6,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,032,000 | 57,198,000 | 58,330,000 | 60,378,000 |
| Total capital | 61,805,000 | 62,592,000 | 63,449,000 | 65,444,000 |
| Risk-weighted assets | 460,644,000 | 429,141,000 | 407,304,000 | 403,403,000 |