Call reports 2005
FIRST SOUTHERN BANK — 2005
What FIRST SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 324,814,000 | 333,264,000 | 365,624,000 | 381,993,000 |
| Total loans | 258,106,000 | 280,681,000 | 291,929,000 | 305,457,000 |
| Allowance for loan losses | 2,968,000 | 3,238,000 | 3,361,000 | 3,621,000 |
| Securities available for sale | 30,423,000 | 29,313,000 | 27,293,000 | 25,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,763,000 | 279,941,000 | 311,329,000 | 326,634,000 |
| Interest-bearing deposits | 214,653,000 | 221,890,000 | 245,880,000 | 265,564,000 |
| Noninterest-bearing deposits | 58,110,000 | 58,051,000 | 65,449,000 | 61,070,000 |
| Equity capital | 34,779,000 | 35,417,000 | 35,821,000 | 36,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,251,000 | 9,091,000 | 14,368,000 | 20,129,000 |
| Interest expense | 1,376,000 | 2,932,000 | 4,740,000 | 6,821,000 |
| Net interest income | 2,875,000 | 6,159,000 | 9,628,000 | 13,308,000 |
| Noninterest income | 285,000 | 663,000 | 1,075,000 | 1,484,000 |
| Noninterest expense | 2,596,000 | 5,377,000 | 8,138,000 | 10,802,000 |
| Provision for loan losses | 285,000 | 555,000 | 678,000 | 938,000 |
| Pretax income | 279,000 | 890,000 | 1,887,000 | 3,052,000 |
| Income tax | 105,000 | 335,000 | 710,000 | 1,148,000 |
| Net income | 174,000 | 555,000 | 1,177,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,305,000 | 35,686,000 | 36,309,000 | 37,035,000 |
| Total capital | 38,273,000 | 38,924,000 | 39,671,000 | 40,657,000 |
| Risk-weighted assets | 279,450,000 | 297,788,000 | 314,131,000 | 329,421,000 |