Call reports 2012
FIRST SOUTHERN STATE BANK — 2012
What FIRST SOUTHERN STATE 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 | 331,730,000 | 341,444,000 | 341,845,000 | 349,870,000 |
| Total loans | 182,818,000 | 175,573,000 | 174,989,000 | 178,146,000 |
| Allowance for loan losses | 2,905,000 | 3,372,000 | 3,400,000 | 3,568,000 |
| Securities available for sale | 100,488,000 | 117,381,000 | 121,471,000 | 121,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,583,000 | 299,293,000 | 298,160,000 | 306,562,000 |
| Interest-bearing deposits | 261,683,000 | 271,279,000 | 271,718,000 | 276,749,000 |
| Noninterest-bearing deposits | 28,900,000 | 28,014,000 | 26,442,000 | 29,813,000 |
| Equity capital | 32,933,000 | 33,652,000 | 34,899,000 | 34,680,000 |
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 | 3,489,000 | 6,988,000 | 10,429,000 | 13,849,000 |
| Interest expense | 737,000 | 1,440,000 | 2,160,000 | 2,859,000 |
| Net interest income | 2,752,000 | 5,548,000 | 8,269,000 | 10,990,000 |
| Noninterest income | 450,000 | 942,000 | 1,404,000 | 1,876,000 |
| Noninterest expense | 1,987,000 | 3,807,000 | 5,683,000 | 7,853,000 |
| Provision for loan losses | 700,000 | 1,150,000 | 1,525,000 | 1,525,000 |
| Pretax income | 738,000 | 1,756,000 | 2,700,000 | 3,723,000 |
| Income tax | 186,000 | 500,000 | 781,000 | 1,095,000 |
| Net income | 552,000 | 1,256,000 | 1,919,000 | 2,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,557,000 | 31,872,000 | 32,575,000 | 32,895,000 |
| Total capital | 34,179,000 | 34,425,000 | 35,123,000 | 35,478,000 |
| Risk-weighted assets | 213,312,000 | 207,658,000 | 205,837,000 | 209,690,000 |