Call reports 2003
FIRST SOUTHERN BANK — 2003
What FIRST SOUTHERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 235,759,000 | 248,438,000 | 270,967,000 | 271,578,000 |
| Total loans | 181,003,000 | 186,961,000 | 200,901,000 | 213,070,000 |
| Allowance for loan losses | 2,271,000 | 2,426,000 | 2,425,000 | 2,579,000 |
| Securities available for sale | 25,261,000 | 20,794,000 | 31,318,000 | 31,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,701,000 | 219,705,000 | 240,737,000 | 239,402,000 |
| Interest-bearing deposits | 151,330,000 | 169,918,000 | 186,993,000 | 196,119,000 |
| Noninterest-bearing deposits | 55,371,000 | 49,787,000 | 53,744,000 | 43,283,000 |
| Equity capital | 15,479,000 | 16,698,000 | 18,138,000 | 20,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,343,000 | 6,741,000 | 10,236,000 | 13,749,000 |
| Interest expense | 990,000 | 1,929,000 | 2,877,000 | 3,941,000 |
| Net interest income | 2,353,000 | 4,812,000 | 7,359,000 | 9,808,000 |
| Noninterest income | 518,000 | 1,033,000 | 1,667,000 | 2,147,000 |
| Noninterest expense | 2,197,000 | 4,496,000 | 6,920,000 | 9,277,000 |
| Provision for loan losses | 150,000 | 300,000 | 495,000 | 645,000 |
| Pretax income | 524,000 | 1,049,000 | 1,645,000 | 2,067,000 |
| Income tax | 197,000 | 395,000 | 619,000 | 778,000 |
| Net income | 327,000 | 654,000 | 1,026,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,387,000 | 16,634,000 | 18,124,000 | 20,399,000 |
| Total capital | 17,580,000 | 18,942,000 | 20,534,000 | 22,978,000 |
| Risk-weighted assets | 175,340,000 | 184,495,000 | 196,279,000 | 210,601,000 |