Call reports 2007
FIRST SOUTHERN BANK — 2007
What FIRST SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 150,425,000 | 159,044,000 | 166,007,000 | 163,912,000 |
| Total loans | 127,365,000 | 132,710,000 | 132,218,000 | 135,171,000 |
| Allowance for loan losses | 2,203,000 | 1,449,000 | 1,514,000 | 1,651,000 |
| Securities available for sale | 5,059,000 | 11,412,000 | 11,355,000 | 12,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 6,875,000 | 0 | 0 | 0 |
| Total deposits | 137,791,000 | 145,415,000 | 151,674,000 | 149,345,000 |
| Interest-bearing deposits | 94,253,000 | 104,234,000 | 101,613,000 | 136,235,000 |
| Noninterest-bearing deposits | 43,538,000 | 41,181,000 | 50,061,000 | 13,110,000 |
| Equity capital | 10,722,000 | 11,571,000 | 12,173,000 | 12,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,500,000 | 5,172,000 | 7,967,000 | 10,781,000 |
| Interest expense | 1,347,000 | 2,747,000 | 4,243,000 | 5,667,000 |
| Net interest income | 1,153,000 | 2,425,000 | 3,724,000 | 5,114,000 |
| Noninterest income | 120,000 | 277,000 | 492,000 | 659,000 |
| Noninterest expense | 887,000 | 1,804,000 | 2,749,000 | 3,625,000 |
| Provision for loan losses | 100,000 | -600,000 | -500,000 | -400,000 |
| Pretax income | 286,000 | 1,498,000 | 1,967,000 | 2,548,000 |
| Income tax | 110,000 | 579,000 | 762,000 | 976,000 |
| Net income | 176,000 | 919,000 | 1,205,000 | 1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,456,000 | 11,331,000 | 11,930,000 | 12,208,000 |
| Total capital | 11,970,000 | 12,826,000 | 13,490,000 | 13,867,000 |
| Risk-weighted assets | 121,845,000 | 125,952,000 | 128,683,000 | 132,707,000 |
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