Call reports 2006
FIRST SOUTHERN BANK — 2006
What FIRST SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 100,471,000 | 99,521,000 | 110,470,000 | 107,175,000 |
| Total loans | 77,056,000 | 78,304,000 | 82,504,000 | 83,167,000 |
| Allowance for loan losses | 1,518,000 | 1,517,000 | 1,566,000 | 1,416,000 |
| Securities available for sale | 10,870,000 | 13,083,000 | 13,468,000 | 14,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,363,000 | 90,121,000 | 100,806,000 | 96,814,000 |
| Interest-bearing deposits | 73,205,000 | 74,295,000 | 84,828,000 | 81,314,000 |
| Noninterest-bearing deposits | 18,158,000 | 15,827,000 | 15,978,000 | 15,499,000 |
| Equity capital | 8,243,000 | 8,217,000 | 8,602,000 | 8,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,739,000 | 3,612,000 | 5,696,000 | 7,767,000 |
| Interest expense | 579,000 | 1,265,000 | 2,071,000 | 2,950,000 |
| Net interest income | 1,160,000 | 2,347,000 | 3,625,000 | 4,817,000 |
| Noninterest income | 170,000 | 409,000 | 633,000 | 860,000 |
| Noninterest expense | 1,060,000 | 2,097,000 | 3,148,000 | 4,290,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 270,000 | 659,000 | 1,110,000 | 1,387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 270,000 | 659,000 | 1,110,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,242,000 | 8,280,000 | 8,532,000 | 8,583,000 |
| Total capital | 9,276,000 | 9,313,000 | 9,629,000 | 9,683,000 |
| Risk-weighted assets | 82,396,000 | 82,177,000 | 87,276,000 | 87,703,000 |