Call reports 2010
FIRST SOUTHERN BANK — 2010
What FIRST SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 229,093,000 | 229,342,000 | 244,004,000 | 236,637,000 |
| Total loans | 185,762,000 | 187,603,000 | 186,799,000 | 185,029,000 |
| Allowance for loan losses | 2,595,000 | 2,622,000 | 3,671,000 | 3,832,000 |
| Securities available for sale | 22,855,000 | 20,047,000 | 29,470,000 | 32,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,883,000 | 204,634,000 | 223,585,000 | 215,725,000 |
| Interest-bearing deposits | 187,582,000 | 184,200,000 | 200,748,000 | 196,342,000 |
| Noninterest-bearing deposits | 20,301,000 | 20,434,000 | 22,837,000 | 19,383,000 |
| Equity capital | 18,857,000 | 19,420,000 | 19,621,000 | 19,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,053,000 | 6,109,000 | 9,174,000 | 12,268,000 |
| Interest expense | 771,000 | 1,452,000 | 2,128,000 | 2,766,000 |
| Net interest income | 2,282,000 | 4,657,000 | 7,046,000 | 9,502,000 |
| Noninterest income | 219,000 | 476,000 | 678,000 | 1,006,000 |
| Noninterest expense | 1,494,000 | 2,926,000 | 4,103,000 | 5,380,000 |
| Provision for loan losses | 375,000 | 765,000 | 2,090,000 | 2,615,000 |
| Pretax income | 764,000 | 1,599,000 | 1,688,000 | 2,670,000 |
| Income tax | 275,000 | 566,000 | 573,000 | 706,000 |
| Net income | 489,000 | 1,033,000 | 1,115,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,678,000 | 19,235,000 | 19,330,000 | 20,193,000 |
| Total capital | 21,011,000 | 21,606,000 | 21,717,000 | 22,565,000 |
| Risk-weighted assets | 186,364,000 | 189,436,000 | 189,636,000 | 188,267,000 |
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