Call reports 2013
FIRST SOUTHERN BANK — 2013
What FIRST SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 110,616,000 | 99,375,000 | 94,512,000 | 95,357,000 |
| Total loans | 72,241,000 | 69,697,000 | 68,127,000 | 63,937,000 |
| Allowance for loan losses | 2,342,000 | 2,315,000 | 2,553,000 | 2,868,000 |
| Securities available for sale | 9,053,000 | 8,356,000 | 7,980,000 | 9,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,755,000 | 92,555,000 | 88,184,000 | 90,240,000 |
| Interest-bearing deposits | 81,801,000 | 75,903,000 | 71,448,000 | 73,383,000 |
| Noninterest-bearing deposits | 18,955,000 | 16,651,000 | 16,736,000 | 16,857,000 |
| Equity capital | 5,109,000 | 5,968,000 | 5,516,000 | 4,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,153,000 | 2,233,000 | 3,288,000 | 4,258,000 |
| Interest expense | 172,000 | 305,000 | 420,000 | 525,000 |
| Net interest income | 981,000 | 1,928,000 | 2,868,000 | 3,733,000 |
| Noninterest income | -90,000 | 55,000 | 186,000 | 249,000 |
| Noninterest expense | 528,000 | 1,607,000 | 2,656,000 | 3,893,000 |
| Provision for loan losses | 157,000 | 157,000 | 507,000 | 1,232,000 |
| Pretax income | 206,000 | 219,000 | -109,000 | -1,143,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 206,000 | 219,000 | -109,000 | -1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,061,000 | 6,148,000 | 5,821,000 | 4,787,000 |
| Total capital | 6,068,000 | 7,122,000 | 6,766,000 | 5,692,000 |
| Risk-weighted assets | 79,261,000 | 76,586,000 | 73,994,000 | 70,439,000 |