Call reports 2009
FIRST SOUTHERN STATE BANK — 2009
What FIRST SOUTHERN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 332,257,000 | 325,074,000 | 322,278,000 | 326,237,000 |
| Total loans | 203,265,000 | 200,895,000 | 203,262,000 | 206,174,000 |
| Allowance for loan losses | 1,999,000 | 2,215,000 | 2,059,000 | 3,265,000 |
| Securities available for sale | 78,627,000 | 83,348,000 | 77,474,000 | 77,402,000 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,013,000 | 269,859,000 | 264,820,000 | 272,951,000 |
| Interest-bearing deposits | 246,400,000 | 230,008,000 | 209,852,000 | 251,510,000 |
| Noninterest-bearing deposits | 27,613,000 | 39,851,000 | 54,968,000 | 21,441,000 |
| Equity capital | 34,839,000 | 31,834,000 | 33,969,000 | 30,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,202,000 | 8,372,000 | 12,557,000 | 16,676,000 |
| Interest expense | 1,680,000 | 3,323,000 | 4,886,000 | 6,331,000 |
| Net interest income | 2,522,000 | 5,049,000 | 7,671,000 | 10,345,000 |
| Noninterest income | 513,000 | 1,088,000 | 1,640,000 | 2,152,000 |
| Noninterest expense | 1,939,000 | 5,605,000 | 7,502,000 | 12,018,000 |
| Provision for loan losses | 432,000 | 1,690,000 | 2,843,000 | 4,292,000 |
| Pretax income | 941,000 | -1,881,000 | -1,643,000 | -4,044,000 |
| Income tax | 216,000 | 0 | -373,000 | -440,000 |
| Net income | 725,000 | -1,881,000 | -1,270,000 | -3,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,758,000 | 28,194,000 | 28,845,000 | 28,867,000 |
| Total capital | 32,757,000 | 30,409,000 | 30,904,000 | 31,714,000 |
| Risk-weighted assets | 237,045,000 | 231,825,000 | 221,041,000 | 227,314,000 |
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