Call reports 2001
FIRST SOUTHERN BANK — 2001
What FIRST SOUTHERN BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 193,906,000 | 185,539,000 | 182,042,000 | 187,030,000 |
| Total loans | 138,564,000 | 142,267,000 | 149,660,000 | 147,036,000 |
| Allowance for loan losses | 1,785,000 | 1,875,000 | 1,804,000 | 1,660,000 |
| Securities available for sale | 19,818,000 | 6,579,000 | 2,170,000 | 12,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,229,000 | 170,754,000 | 156,514,000 | 166,647,000 |
| Interest-bearing deposits | 140,262,000 | 132,518,000 | 117,989,000 | 125,693,000 |
| Noninterest-bearing deposits | 39,967,000 | 38,236,000 | 38,525,000 | 40,954,000 |
| Equity capital | 13,136,000 | 14,262,000 | 13,166,000 | 13,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,612,000 | 7,105,000 | 10,347,000 | 13,410,000 |
| Interest expense | 1,951,000 | 3,700,000 | 5,162,000 | 6,425,000 |
| Net interest income | 1,661,000 | 3,405,000 | 5,185,000 | 6,985,000 |
| Noninterest income | 413,000 | 850,000 | 1,303,000 | 1,739,000 |
| Noninterest expense | 1,933,000 | 3,817,000 | 7,817,000 | 9,826,000 |
| Provision for loan losses | 0 | 110,000 | 110,000 | 175,000 |
| Pretax income | 169,000 | 398,000 | -1,369,000 | -1,207,000 |
| Income tax | 64,000 | 150,000 | -515,000 | -454,000 |
| Net income | 105,000 | 248,000 | -854,000 | -753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,060,000 | 14,248,000 | 13,146,000 | 13,346,000 |
| Total capital | 14,845,000 | 15,984,000 | 14,932,000 | 15,006,000 |
| Risk-weighted assets | 137,526,000 | 138,259,000 | 142,892,000 | 144,327,000 |