Call reports 2008
FIRST SOUTHERN BANK — 2008
What FIRST SOUTHERN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 165,648,000 | 174,740,000 | 188,004,000 | 199,289,000 |
| Total loans | 136,972,000 | 145,515,000 | 156,833,000 | 165,606,000 |
| Allowance for loan losses | 1,749,000 | 1,847,000 | 1,919,000 | 2,113,000 |
| Securities available for sale | 11,371,000 | 10,860,000 | 9,531,000 | 14,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,817,000 | 153,002,000 | 167,054,000 | 182,999,000 |
| Interest-bearing deposits | 135,196,000 | 137,609,000 | 150,389,000 | 168,592,000 |
| Noninterest-bearing deposits | 15,621,000 | 15,393,000 | 16,665,000 | 14,407,000 |
| Equity capital | 12,811,000 | 13,034,000 | 14,727,000 | 15,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,704,000 | 5,358,000 | 8,089,000 | 10,985,000 |
| Interest expense | 1,251,000 | 2,311,000 | 3,434,000 | 4,595,000 |
| Net interest income | 1,453,000 | 3,047,000 | 4,655,000 | 6,390,000 |
| Noninterest income | 202,000 | 398,000 | 624,000 | 915,000 |
| Noninterest expense | 1,082,000 | 2,193,000 | 3,178,000 | 4,270,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 500,000 |
| Pretax income | 473,000 | 1,052,000 | 613,000 | 1,347,000 |
| Income tax | 189,000 | 373,000 | 129,000 | 414,000 |
| Net income | 284,000 | 679,000 | 484,000 | 933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,418,000 | 12,686,000 | 14,495,000 | 15,057,000 |
| Total capital | 14,038,000 | 14,485,000 | 16,423,000 | 16,963,000 |
| Risk-weighted assets | 136,066,000 | 143,841,000 | 154,266,000 | 162,931,000 |
Machine access — free, no API key
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