Call reports 2011
FIRST SOUTHERN BANK — 2011
What FIRST SOUTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 151,539,000 | 138,916,000 | 129,561,000 | 123,604,000 |
| Total loans | 105,740,000 | 97,773,000 | 94,492,000 | 92,652,000 |
| Allowance for loan losses | 2,891,000 | 2,163,000 | 2,361,000 | 3,261,000 |
| Securities available for sale | 10,999,000 | 11,070,000 | 11,083,000 | 8,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,915,000 | 126,031,000 | 116,581,000 | 113,379,000 |
| Interest-bearing deposits | 111,299,000 | 107,271,000 | 101,236,000 | 94,703,000 |
| Noninterest-bearing deposits | 23,615,000 | 18,760,000 | 15,346,000 | 18,676,000 |
| Equity capital | 6,176,000 | 4,460,000 | 4,488,000 | 3,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,537,000 | 2,990,000 | 4,399,000 | 5,703,000 |
| Interest expense | 451,000 | 870,000 | 1,246,000 | 1,579,000 |
| Net interest income | 1,086,000 | 2,120,000 | 3,153,000 | 4,124,000 |
| Noninterest income | 272,000 | -748,000 | -499,000 | -559,000 |
| Noninterest expense | 1,219,000 | 2,478,000 | 3,556,000 | 4,756,000 |
| Provision for loan losses | 696,000 | 1,257,000 | 1,465,000 | 2,360,000 |
| Pretax income | -557,000 | -2,363,000 | -2,367,000 | -3,401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -557,000 | -2,363,000 | -2,367,000 | -3,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,060,000 | 4,253,000 | 4,250,000 | 3,215,000 |
| Total capital | 7,495,000 | 5,586,000 | 5,531,000 | 4,457,000 |
| Risk-weighted assets | 113,317,000 | 105,773,000 | 101,363,000 | 97,334,000 |