Call reports 2011
FIRST SOUTHERN BANK — 2011
What FIRST SOUTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 236,325,000 | 234,606,000 | 239,465,000 | 243,127,000 |
| Total loans | 186,157,000 | 180,333,000 | 174,505,000 | 171,391,000 |
| Allowance for loan losses | 4,122,000 | 2,669,000 | 3,090,000 | 3,093,000 |
| Securities available for sale | 33,747,000 | 33,918,000 | 36,754,000 | 47,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,568,000 | 209,723,000 | 215,735,000 | 218,596,000 |
| Interest-bearing deposits | 191,643,000 | 187,691,000 | 192,918,000 | 194,187,000 |
| Noninterest-bearing deposits | 20,925,000 | 22,032,000 | 22,817,000 | 24,409,000 |
| Equity capital | 20,951,000 | 21,730,000 | 22,417,000 | 22,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,966,000 | 5,880,000 | 8,747,000 | 11,546,000 |
| Interest expense | 554,000 | 1,077,000 | 1,576,000 | 2,047,000 |
| Net interest income | 2,412,000 | 4,803,000 | 7,171,000 | 9,499,000 |
| Noninterest income | 110,000 | 303,000 | 586,000 | 809,000 |
| Noninterest expense | 1,487,000 | 2,913,000 | 4,471,000 | 5,909,000 |
| Provision for loan losses | 375,000 | 800,000 | 1,375,000 | 1,675,000 |
| Pretax income | 660,000 | 1,393,000 | 1,911,000 | 2,735,000 |
| Income tax | 193,000 | 382,000 | 497,000 | 798,000 |
| Net income | 467,000 | 1,011,000 | 1,414,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,938,000 | 21,446,000 | 21,811,000 | 22,348,000 |
| Total capital | 23,325,000 | 23,634,000 | 24,113,000 | 24,528,000 |
| Risk-weighted assets | 189,207,000 | 185,183,000 | 183,334,000 | 184,106,000 |