Call reports 2010
FIRST SOUTHERN BANK — 2010
What FIRST SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 163,118,000 | 155,486,000 | 152,688,000 | 148,748,000 |
| Total loans | 120,261,000 | 117,785,000 | 116,551,000 | 107,876,000 |
| Allowance for loan losses | 3,492,000 | 3,947,000 | 4,041,000 | 2,889,000 |
| Securities available for sale | 8,956,000 | 14,428,000 | 12,722,000 | 10,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,587,000 | 134,601,000 | 133,157,000 | 130,170,000 |
| Interest-bearing deposits | 120,775,000 | 114,874,000 | 112,797,000 | 112,112,000 |
| Noninterest-bearing deposits | 20,812,000 | 19,728,000 | 20,359,000 | 18,059,000 |
| Equity capital | 9,539,000 | 8,952,000 | 7,576,000 | 6,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,909,000 | 3,774,000 | 5,420,000 | 7,177,000 |
| Interest expense | 638,000 | 1,217,000 | 1,742,000 | 2,230,000 |
| Net interest income | 1,271,000 | 2,557,000 | 3,678,000 | 4,947,000 |
| Noninterest income | 286,000 | 96,000 | 375,000 | 281,000 |
| Noninterest expense | 1,306,000 | 2,572,000 | 3,741,000 | 5,113,000 |
| Provision for loan losses | 150,000 | 601,000 | 2,309,000 | 2,790,000 |
| Pretax income | 101,000 | -520,000 | -1,997,000 | -2,675,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | -520,000 | -1,997,000 | -2,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,393,000 | 8,772,000 | 7,295,000 | 6,617,000 |
| Total capital | 10,966,000 | 10,330,000 | 8,842,000 | 8,104,000 |
| Risk-weighted assets | 123,900,000 | 122,228,000 | 120,971,000 | 117,555,000 |