Call reports 2012
FIRST SOUTHERN BANK — 2012
What FIRST SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 243,753,000 | 239,183,000 | 236,133,000 | 246,411,000 |
| Total loans | 170,761,000 | 168,941,000 | 166,629,000 | 163,855,000 |
| Allowance for loan losses | 3,106,000 | 3,218,000 | 3,482,000 | 3,175,000 |
| Securities available for sale | 45,778,000 | 46,834,000 | 48,199,000 | 55,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,906,000 | 212,038,000 | 210,451,000 | 221,055,000 |
| Interest-bearing deposits | 192,315,000 | 187,087,000 | 184,665,000 | 193,055,000 |
| Noninterest-bearing deposits | 26,591,000 | 24,951,000 | 25,786,000 | 28,000,000 |
| Equity capital | 23,506,000 | 24,103,000 | 24,378,000 | 23,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,718,000 | 5,406,000 | 8,075,000 | 10,678,000 |
| Interest expense | 412,000 | 785,000 | 1,131,000 | 1,451,000 |
| Net interest income | 2,306,000 | 4,621,000 | 6,944,000 | 9,227,000 |
| Noninterest income | 331,000 | 689,000 | 922,000 | 1,099,000 |
| Noninterest expense | 1,633,000 | 3,337,000 | 4,961,000 | 6,475,000 |
| Provision for loan losses | 400,000 | 750,000 | 1,050,000 | 1,250,000 |
| Pretax income | 994,000 | 1,765,000 | 2,555,000 | 3,402,000 |
| Income tax | 291,000 | 560,000 | 819,000 | 1,003,000 |
| Net income | 703,000 | 1,205,000 | 1,736,000 | 2,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,064,000 | 23,579,000 | 23,709,000 | 23,377,000 |
| Total capital | 25,352,000 | 25,677,000 | 25,848,000 | 25,487,000 |
| Risk-weighted assets | 182,146,000 | 177,063,000 | 169,533,000 | 167,722,000 |