Call reports 2004
FIRST SOUTHERN BANK — 2004
What FIRST SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 278,656,000 | 275,076,000 | 283,425,000 | 292,703,000 |
| Total loans | 204,259,000 | 216,328,000 | 224,679,000 | 242,652,000 |
| Allowance for loan losses | 2,691,000 | 2,747,000 | 2,502,000 | 2,683,000 |
| Securities available for sale | 46,219,000 | 40,908,000 | 38,574,000 | 32,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,556,000 | 238,026,000 | 239,905,000 | 256,919,000 |
| Interest-bearing deposits | 183,896,000 | 178,801,000 | 196,388,000 | 208,531,000 |
| Noninterest-bearing deposits | 60,660,000 | 59,225,000 | 43,517,000 | 48,388,000 |
| Equity capital | 22,539,000 | 22,303,000 | 23,446,000 | 23,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,613,000 | 7,436,000 | 11,654,000 | 15,688,000 |
| Interest expense | 1,048,000 | 2,059,000 | 3,164,000 | 4,454,000 |
| Net interest income | 2,565,000 | 5,377,000 | 8,490,000 | 11,234,000 |
| Noninterest income | 451,000 | 645,000 | 804,000 | 1,068,000 |
| Noninterest expense | 2,293,000 | 4,519,000 | 6,837,000 | 9,307,000 |
| Provision for loan losses | 112,000 | 172,000 | 622,000 | 802,000 |
| Pretax income | 632,000 | 1,352,000 | 1,856,000 | 2,214,000 |
| Income tax | 238,000 | 509,000 | 699,000 | 833,000 |
| Net income | 394,000 | 843,000 | 1,157,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,442,000 | 22,892,000 | 23,648,000 | 24,132,000 |
| Total capital | 24,985,000 | 25,639,000 | 26,150,000 | 26,815,000 |
| Risk-weighted assets | 203,321,000 | 230,971,000 | 244,372,000 | 260,054,000 |