Call reports 2007
FIRST SOUTHERN BANK — 2007
What FIRST SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 125,976,000 | 124,616,000 | 131,574,000 | 130,351,000 |
| Total loans | 96,693,000 | 99,929,000 | 104,919,000 | 104,283,000 |
| Allowance for loan losses | 1,390,000 | 1,287,000 | 1,294,000 | 1,416,000 |
| Securities available for sale | 13,573,000 | 13,241,000 | 13,486,000 | 13,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,909,000 | 111,890,000 | 112,687,000 | 112,559,000 |
| Interest-bearing deposits | 90,641,000 | 95,191,000 | 95,339,000 | 94,000,000 |
| Noninterest-bearing deposits | 18,267,000 | 16,698,000 | 17,349,000 | 18,559,000 |
| Equity capital | 8,782,000 | 10,746,000 | 11,655,000 | 11,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,164,000 | 4,571,000 | 7,056,000 | 9,460,000 |
| Interest expense | 957,000 | 2,022,000 | 3,116,000 | 4,248,000 |
| Net interest income | 1,207,000 | 2,549,000 | 3,940,000 | 5,212,000 |
| Noninterest income | 243,000 | 489,000 | 752,000 | 1,022,000 |
| Noninterest expense | 1,171,000 | 2,309,000 | 3,478,000 | 4,699,000 |
| Provision for loan losses | 0 | 0 | 0 | 168,000 |
| Pretax income | 282,000 | 732,000 | 1,149,000 | 1,305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 732,000 | 1,149,000 | 1,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,680,000 | 10,902,000 | 11,521,000 | 11,401,000 |
| Total capital | 9,963,000 | 12,189,000 | 12,815,000 | 12,781,000 |
| Risk-weighted assets | 102,539,000 | 105,098,000 | 110,683,000 | 110,404,000 |