Call reports 2012
FIRST SOUTHERN BANK — 2012
What FIRST SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 120,104,000 | 114,938,000 | 108,631,000 | 106,985,000 |
| Total loans | 88,065,000 | 83,489,000 | 81,584,000 | 78,069,000 |
| Allowance for loan losses | 3,393,000 | 3,328,000 | 2,915,000 | 2,366,000 |
| Securities available for sale | 8,827,000 | 8,733,000 | 7,486,000 | 7,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,249,000 | 107,147,000 | 100,715,000 | 99,288,000 |
| Interest-bearing deposits | 92,905,000 | 89,196,000 | 84,180,000 | 81,556,000 |
| Noninterest-bearing deposits | 19,344,000 | 17,951,000 | 16,534,000 | 17,733,000 |
| Equity capital | 2,960,000 | 2,886,000 | 3,056,000 | 2,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,855,000 | 4,060,000 | 5,565,000 |
| Interest expense | 313,000 | 539,000 | 766,000 | 973,000 |
| Net interest income | 1,110,000 | 2,316,000 | 3,294,000 | 4,592,000 |
| Noninterest income | 168,000 | 435,000 | 741,000 | 375,000 |
| Noninterest expense | 1,155,000 | 2,351,000 | 3,495,000 | 4,666,000 |
| Provision for loan losses | 456,000 | 843,000 | 843,000 | 974,000 |
| Pretax income | -297,000 | -407,000 | -267,000 | -637,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -297,000 | -407,000 | -267,000 | -637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,918,000 | 2,808,000 | 2,949,000 | 2,578,000 |
| Total capital | 4,117,000 | 3,948,000 | 4,060,000 | 3,650,000 |
| Risk-weighted assets | 93,709,000 | 88,977,000 | 87,113,000 | 84,431,000 |