Call reports 2003
FIRST SOUTHERN BANK — 2003
What FIRST SOUTHERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 96,779,000 | 94,050,000 | 98,238,000 | 96,278,000 |
| Total loans | 73,031,000 | 72,564,000 | 74,583,000 | 71,972,000 |
| Allowance for loan losses | 1,675,000 | 1,728,000 | 1,701,000 | 1,754,000 |
| Securities available for sale | 11,148,000 | 12,332,000 | 13,246,000 | 14,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,764,000 | 86,499,000 | 91,058,000 | 88,653,000 |
| Interest-bearing deposits | 76,647,000 | 74,410,000 | 75,961,000 | 73,465,000 |
| Noninterest-bearing deposits | 12,117,000 | 12,089,000 | 15,097,000 | 15,188,000 |
| Equity capital | 7,472,000 | 7,029,000 | 6,673,000 | 7,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,432,000 | 2,811,000 | 4,221,000 | 5,683,000 |
| Interest expense | 522,000 | 974,000 | 1,391,000 | 1,750,000 |
| Net interest income | 910,000 | 1,837,000 | 2,830,000 | 3,933,000 |
| Noninterest income | 239,000 | 279,000 | 787,000 | 1,037,000 |
| Noninterest expense | 898,000 | 2,038,000 | 3,220,000 | 4,289,000 |
| Provision for loan losses | 11,000 | 404,000 | 474,000 | 579,000 |
| Pretax income | 243,000 | -323,000 | -74,000 | 105,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 243,000 | -323,000 | -74,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,989,000 | 6,419,000 | 6,475,000 | 6,853,000 |
| Total capital | 7,964,000 | 7,381,000 | 7,478,000 | 7,827,000 |
| Risk-weighted assets | 77,490,000 | 76,248,000 | 79,493,000 | 77,122,000 |