Call reports 2007
FIRST SOUTHERN BANK — 2007
What FIRST SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 398,976,000 | 406,727,000 | 396,332,000 | 359,679,000 |
| Total loans | 326,920,000 | 329,995,000 | 331,812,000 | 319,260,000 |
| Allowance for loan losses | 3,629,000 | 3,630,000 | 3,630,000 | 3,630,000 |
| Securities available for sale | 19,211,000 | 18,047,000 | 17,388,000 | 16,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,240,000 | 344,546,000 | 336,858,000 | 305,806,000 |
| Interest-bearing deposits | 281,444,000 | 288,316,000 | 285,101,000 | 258,399,000 |
| Noninterest-bearing deposits | 54,796,000 | 56,230,000 | 51,757,000 | 47,407,000 |
| Equity capital | 39,540,000 | 39,715,000 | 40,174,000 | 40,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,543,000 | 13,423,000 | 20,333,000 | 26,751,000 |
| Interest expense | 3,305,000 | 6,900,000 | 10,545,000 | 13,831,000 |
| Net interest income | 3,238,000 | 6,523,000 | 9,788,000 | 12,920,000 |
| Noninterest income | 209,000 | 396,000 | 590,000 | 794,000 |
| Noninterest expense | 3,234,000 | 6,404,000 | 9,399,000 | 12,221,000 |
| Provision for loan losses | -13,000 | -203,000 | -203,000 | -203,000 |
| Pretax income | 226,000 | 718,000 | 1,182,000 | 1,696,000 |
| Income tax | 85,000 | 270,000 | 445,000 | 638,000 |
| Net income | 141,000 | 448,000 | 737,000 | 1,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,966,000 | 40,274,000 | 40,562,000 | 40,883,000 |
| Total capital | 43,595,000 | 43,904,000 | 44,192,000 | 44,513,000 |
| Risk-weighted assets | 354,768,000 | 361,642,000 | 357,590,000 | 341,596,000 |
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