Call reports 2005
FIRST SOUTHERN BANK — 2005
What FIRST SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 90,195,000 | 94,855,000 | 95,087,000 | 97,479,000 |
| Total loans | 69,825,000 | 74,837,000 | 74,966,000 | 77,899,000 |
| Allowance for loan losses | 1,402,000 | 1,490,000 | 1,674,000 | 1,416,000 |
| Securities available for sale | 13,281,000 | 12,122,000 | 11,592,000 | 11,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,921,000 | 85,014,000 | 86,294,000 | 88,339,000 |
| Interest-bearing deposits | 66,580,000 | 69,280,000 | 70,884,000 | 71,139,000 |
| Noninterest-bearing deposits | 15,341,000 | 15,734,000 | 15,410,000 | 17,200,000 |
| Equity capital | 7,500,000 | 7,694,000 | 8,069,000 | 8,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,843,000 | 4,439,000 | 6,138,000 |
| Interest expense | 334,000 | 731,000 | 1,186,000 | 1,718,000 |
| Net interest income | 1,045,000 | 2,112,000 | 3,253,000 | 4,420,000 |
| Noninterest income | 268,000 | 500,000 | 688,000 | 841,000 |
| Noninterest expense | 875,000 | 1,818,000 | 2,736,000 | 3,756,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 438,000 | 744,000 | 1,155,000 | 1,455,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 438,000 | 744,000 | 1,155,000 | 1,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,380,000 | 7,491,000 | 7,901,000 | 7,987,000 |
| Total capital | 8,327,000 | 8,479,000 | 8,884,000 | 9,012,000 |
| Risk-weighted assets | 75,289,000 | 78,567,000 | 77,960,000 | 81,592,000 |