Call reports 2006
FIRST SOUTHERN BANK — 2006
What FIRST SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 402,049,000 | 375,607,000 | 371,436,000 | 380,042,000 |
| Total loans | 313,335,000 | 304,307,000 | 312,434,000 | 312,422,000 |
| Allowance for loan losses | 3,622,000 | 3,522,000 | 3,592,000 | 3,629,000 |
| Securities available for sale | 24,685,000 | 22,443,000 | 21,794,000 | 19,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,521,000 | 319,325,000 | 307,388,000 | 317,031,000 |
| Interest-bearing deposits | 271,892,000 | 250,642,000 | 245,051,000 | 263,706,000 |
| Noninterest-bearing deposits | 74,629,000 | 68,683,000 | 62,337,000 | 53,325,000 |
| Equity capital | 37,037,000 | 37,684,000 | 38,773,000 | 39,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,065,000 | 12,703,000 | 19,153,000 | 25,776,000 |
| Interest expense | 2,383,000 | 4,944,000 | 7,572,000 | 10,563,000 |
| Net interest income | 3,682,000 | 7,759,000 | 11,581,000 | 15,213,000 |
| Noninterest income | 483,000 | 924,000 | 1,343,000 | 1,649,000 |
| Noninterest expense | 2,978,000 | 6,396,000 | 9,659,000 | 12,743,000 |
| Provision for loan losses | 0 | -100,000 | -405,000 | -355,000 |
| Pretax income | 1,187,000 | 2,387,000 | 3,670,000 | 4,474,000 |
| Income tax | 447,000 | 898,000 | 1,381,000 | 1,683,000 |
| Net income | 740,000 | 1,489,000 | 2,289,000 | 2,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,776,000 | 38,524,000 | 39,324,000 | 39,826,000 |
| Total capital | 41,398,000 | 42,046,000 | 42,916,000 | 43,455,000 |
| Risk-weighted assets | 350,471,000 | 337,762,000 | 343,876,000 | 342,612,000 |