Call reports 2006
FIRST SOUTHERN BANK — 2006
What FIRST SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 123,830,000 | 136,727,000 | 155,056,000 | 153,695,000 |
| Total loans | 101,002,000 | 113,730,000 | 118,978,000 | 124,644,000 |
| Allowance for loan losses | 1,166,000 | 1,241,000 | 1,252,000 | 2,111,000 |
| Securities available for sale | 12,556,000 | 11,612,000 | 11,043,000 | 12,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,796,000 | 120,134,000 | 142,508,000 | 141,109,000 |
| Interest-bearing deposits | 76,533,000 | 88,764,000 | 101,123,000 | 101,125,000 |
| Noninterest-bearing deposits | 31,263,000 | 31,370,000 | 41,385,000 | 39,984,000 |
| Equity capital | 9,097,000 | 9,877,000 | 10,694,000 | 10,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,853,000 | 3,930,000 | 6,268,000 | 8,793,000 |
| Interest expense | 792,000 | 1,766,000 | 2,989,000 | 4,376,000 |
| Net interest income | 1,061,000 | 2,164,000 | 3,279,000 | 4,417,000 |
| Noninterest income | 100,000 | 200,000 | 342,000 | 466,000 |
| Noninterest expense | 722,000 | 1,487,000 | 2,320,000 | 3,060,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,100,000 |
| Pretax income | 364,000 | 727,000 | 1,076,000 | 723,000 |
| Income tax | 144,000 | 282,000 | 420,000 | 237,000 |
| Net income | 220,000 | 445,000 | 656,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,937,000 | 9,775,000 | 10,499,000 | 10,342,000 |
| Total capital | 10,079,000 | 11,016,000 | 11,751,000 | 11,777,000 |
| Risk-weighted assets | 91,308,000 | 103,504,000 | 110,699,000 | 114,635,000 |
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