Call reports 2004
FIRST SOUTHERN BANK — 2004
What FIRST SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 96,864,000 | 92,232,000 | 87,635,000 | 88,538,000 |
| Total loans | 71,874,000 | 69,356,000 | 67,052,000 | 67,308,000 |
| Allowance for loan losses | 1,807,000 | 1,761,000 | 1,564,000 | 1,402,000 |
| Securities available for sale | 15,074,000 | 14,298,000 | 14,074,000 | 13,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,791,000 | 81,206,000 | 79,535,000 | 80,655,000 |
| Interest-bearing deposits | 70,374,000 | 66,123,000 | 65,635,000 | 65,901,000 |
| Noninterest-bearing deposits | 18,417,000 | 15,083,000 | 13,900,000 | 14,754,000 |
| Equity capital | 7,563,000 | 7,100,000 | 7,529,000 | 7,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,396,000 | 2,695,000 | 3,997,000 | 5,275,000 |
| Interest expense | 316,000 | 603,000 | 906,000 | 1,216,000 |
| Net interest income | 1,080,000 | 2,092,000 | 3,091,000 | 4,059,000 |
| Noninterest income | 275,000 | 441,000 | 702,000 | 918,000 |
| Noninterest expense | 1,071,000 | 1,943,000 | 2,917,000 | 3,868,000 |
| Provision for loan losses | 151,000 | 201,000 | 276,000 | 682,000 |
| Pretax income | 133,000 | 389,000 | 597,000 | 424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 133,000 | 389,000 | 597,000 | 424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,986,000 | 7,242,000 | 7,244,000 | 7,072,000 |
| Total capital | 7,959,000 | 8,200,000 | 8,161,000 | 7,987,000 |
| Risk-weighted assets | 76,995,000 | 75,874,000 | 72,711,000 | 72,677,000 |