Call reports 2005
FIRST SOUTHERN BANK — 2005
What FIRST SOUTHERN 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 | 91,557,000 | 95,881,000 | 113,572,000 | 119,514,000 |
| Total loans | 67,494,000 | 73,876,000 | 81,094,000 | 91,937,000 |
| Allowance for loan losses | 862,000 | 938,000 | 1,013,000 | 1,087,000 |
| Securities available for sale | 12,138,000 | 11,969,000 | 11,749,000 | 12,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,392,000 | 86,417,000 | 102,865,000 | 108,537,000 |
| Interest-bearing deposits | 68,544,000 | 70,340,000 | 72,490,000 | 87,237,000 |
| Noninterest-bearing deposits | 14,848,000 | 16,077,000 | 30,375,000 | 21,300,000 |
| Equity capital | 6,974,000 | 7,224,000 | 8,428,000 | 8,599,000 |
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 | 1,170,000 | 2,444,000 | 3,883,000 | 5,614,000 |
| Interest expense | 439,000 | 886,000 | 1,448,000 | 2,189,000 |
| Net interest income | 731,000 | 1,558,000 | 2,435,000 | 3,425,000 |
| Noninterest income | 87,000 | 175,000 | 326,000 | 444,000 |
| Noninterest expense | 493,000 | 1,012,000 | 1,717,000 | 2,408,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 250,000 | 571,000 | 819,000 | 1,161,000 |
| Income tax | 98,000 | 225,000 | 326,000 | 457,000 |
| Net income | 152,000 | 346,000 | 493,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,712,000 | 6,920,000 | 8,180,000 | 8,404,000 |
| Total capital | 7,477,000 | 7,762,000 | 9,132,000 | 9,465,000 |
| Risk-weighted assets | 61,137,000 | 67,243,000 | 76,101,000 | 84,841,000 |
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