Call reports 2002
FIRST SOUTHERN BANK — 2002
What FIRST SOUTHERN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 203,652,000 | 213,171,000 | 197,895,000 | 230,586,000 |
| Total loans | 152,590,000 | 161,059,000 | 161,875,000 | 174,147,000 |
| Allowance for loan losses | 1,791,000 | 1,791,000 | 1,938,000 | 2,146,000 |
| Securities available for sale | 10,977,000 | 16,895,000 | 19,398,000 | 29,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,094,000 | 186,093,000 | 171,085,000 | 204,002,000 |
| Interest-bearing deposits | 137,704,000 | 141,711,000 | 129,528,000 | 156,783,000 |
| Noninterest-bearing deposits | 45,390,000 | 44,382,000 | 41,557,000 | 47,219,000 |
| Equity capital | 13,829,000 | 14,122,000 | 14,377,000 | 14,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,310,000 | 9,526,000 | 12,830,000 |
| Interest expense | 1,204,000 | 2,350,000 | 3,452,000 | 4,489,000 |
| Net interest income | 1,860,000 | 3,960,000 | 6,074,000 | 8,341,000 |
| Noninterest income | 485,000 | 920,000 | 1,420,000 | 2,000,000 |
| Noninterest expense | 1,884,000 | 3,906,000 | 5,960,000 | 8,116,000 |
| Provision for loan losses | 130,000 | 355,000 | 580,000 | 759,000 |
| Pretax income | 331,000 | 619,000 | 954,000 | 1,466,000 |
| Income tax | 125,000 | 233,000 | 359,000 | 552,000 |
| Net income | 206,000 | 386,000 | 595,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,852,000 | 14,032,000 | 14,241,000 | 14,560,000 |
| Total capital | 15,643,000 | 15,823,000 | 16,179,000 | 16,658,000 |
| Risk-weighted assets | 151,392,000 | 157,075,000 | 155,584,000 | 167,757,000 |