Call reports 2002
FIRST SOUTHERN BANK — 2002
What FIRST SOUTHERN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 102,728,000 | 99,352,000 | 99,349,000 | 99,618,000 |
| Total loans | 81,178,000 | 78,288,000 | 78,556,000 | 74,277,000 |
| Allowance for loan losses | 1,666,000 | 1,260,000 | 1,381,000 | 1,859,000 |
| Securities available for sale | 12,528,000 | 12,735,000 | 9,455,000 | 15,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,870,000 | 90,777,000 | 91,331,000 | 92,265,000 |
| Interest-bearing deposits | 81,698,000 | 79,123,000 | 77,990,000 | 79,970,000 |
| Noninterest-bearing deposits | 13,172,000 | 11,654,000 | 13,341,000 | 12,295,000 |
| Equity capital | 7,245,000 | 7,279,000 | 7,514,000 | 6,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,291,000 | 4,870,000 | 6,400,000 |
| Interest expense | 725,000 | 1,371,000 | 1,972,000 | 2,551,000 |
| Net interest income | 1,002,000 | 1,920,000 | 2,898,000 | 3,849,000 |
| Noninterest income | 239,000 | 472,000 | 757,000 | 1,039,000 |
| Noninterest expense | 901,000 | 1,799,000 | 2,686,000 | 4,034,000 |
| Provision for loan losses | 172,000 | 578,000 | 910,000 | 1,442,000 |
| Pretax income | 168,000 | 15,000 | 247,000 | -400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 168,000 | 15,000 | 247,000 | -400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,007,000 | 6,826,000 | 7,058,000 | 6,410,000 |
| Total capital | 8,090,000 | 7,885,000 | 8,106,000 | 7,390,000 |
| Risk-weighted assets | 86,037,000 | 84,848,000 | 83,461,000 | 77,749,000 |