Call reports 2010
FIRST SOUTHERN NATIONAL BANK — 2010
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 658,240,000 | 665,617,000 | 656,719,000 | 655,223,000 |
| Total loans | 383,289,000 | 388,546,000 | 384,180,000 | 375,674,000 |
| Allowance for loan losses | 6,724,000 | 6,647,000 | 6,684,000 | 6,642,000 |
| Securities available for sale | 186,780,000 | 186,163,000 | 179,006,000 | 171,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 551,030,000 | 559,037,000 | 547,370,000 | 557,405,000 |
| Interest-bearing deposits | 442,962,000 | 446,597,000 | 443,115,000 | 455,509,000 |
| Noninterest-bearing deposits | 108,068,000 | 112,440,000 | 104,255,000 | 101,896,000 |
| Equity capital | 81,385,000 | 82,188,000 | 83,799,000 | 77,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,233,000 | 15,573,000 | 23,410,000 | 30,403,000 |
| Interest expense | 1,483,000 | 2,888,000 | 4,262,000 | 5,543,000 |
| Net interest income | 6,750,000 | 12,685,000 | 19,148,000 | 24,860,000 |
| Noninterest income | 1,924,000 | 3,375,000 | 5,562,000 | 7,403,000 |
| Noninterest expense | 5,210,000 | 10,370,000 | 15,730,000 | 21,209,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,614,000 | 5,840,000 | 9,131,000 | 11,203,000 |
| Income tax | 1,165,000 | 1,851,000 | 2,907,000 | 3,609,000 |
| Net income | 2,419,000 | 3,928,000 | 6,130,000 | 7,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,797,000 | 63,306,000 | 64,508,000 | 59,473,000 |
| Total capital | 67,668,000 | 68,252,000 | 69,336,000 | 64,260,000 |
| Risk-weighted assets | 387,824,000 | 393,982,000 | 384,370,000 | 381,116,000 |