Call reports 2004
FIRST SOUTHERN BANK — 2004
What FIRST SOUTHERN 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 | 66,803,000 | 74,073,000 | 78,897,000 | 92,674,000 |
| Total loans | 54,347,000 | 59,528,000 | 64,801,000 | 67,058,000 |
| Allowance for loan losses | 603,000 | 678,000 | 744,000 | 785,000 |
| Securities available for sale | 7,460,000 | 7,544,000 | 7,598,000 | 10,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,239,000 | 67,189,000 | 69,574,000 | 84,313,000 |
| Interest-bearing deposits | 52,684,000 | 57,116,000 | 59,949,000 | 70,481,000 |
| Noninterest-bearing deposits | 8,555,000 | 10,073,000 | 9,625,000 | 13,832,000 |
| Equity capital | 5,414,000 | 5,611,000 | 5,965,000 | 6,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,744,000 | 2,734,000 | 3,843,000 |
| Interest expense | 278,000 | 572,000 | 891,000 | 1,299,000 |
| Net interest income | 557,000 | 1,172,000 | 1,843,000 | 2,544,000 |
| Noninterest income | 67,000 | 143,000 | 223,000 | 314,000 |
| Noninterest expense | 435,000 | 885,000 | 1,343,000 | 1,758,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 114,000 | 280,000 | 498,000 | 800,000 |
| Income tax | 43,000 | 104,000 | 180,000 | 306,000 |
| Net income | 71,000 | 176,000 | 318,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,985,000 | 5,253,000 | 5,559,000 | 6,547,000 |
| Total capital | 5,584,000 | 5,909,000 | 6,275,000 | 7,313,000 |
| Risk-weighted assets | 47,930,000 | 52,436,000 | 57,278,000 | 61,298,000 |
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