Call reports 2009
FIRST SOUTHERN BANK — 2009
What FIRST SOUTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 407,004,000 | 410,454,000 | 396,114,000 | 392,051,000 |
| Total loans | 330,982,000 | 321,210,000 | 318,241,000 | 319,468,000 |
| Allowance for loan losses | 3,652,000 | 3,657,000 | 5,259,000 | 7,723,000 |
| Securities available for sale | 55,009,000 | 50,763,000 | 53,376,000 | 49,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,625,000 | 324,739,000 | 334,061,000 | 327,817,000 |
| Interest-bearing deposits | 282,250,000 | 274,562,000 | 281,304,000 | 278,880,000 |
| Noninterest-bearing deposits | 47,375,000 | 50,177,000 | 52,757,000 | 48,937,000 |
| Equity capital | 47,517,000 | 47,683,000 | 47,586,000 | 44,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,125,000 | 10,408,000 | 15,431,000 | 20,479,000 |
| Interest expense | 2,113,000 | 3,979,000 | 5,691,000 | 7,202,000 |
| Net interest income | 3,012,000 | 6,429,000 | 9,740,000 | 13,277,000 |
| Noninterest income | 143,000 | 283,000 | 391,000 | 531,000 |
| Noninterest expense | 2,875,000 | 6,080,000 | 8,850,000 | 12,110,000 |
| Provision for loan losses | 2,155,000 | 4,525,000 | 7,715,000 | 12,206,000 |
| Pretax income | -1,875,000 | -3,893,000 | -6,434,000 | -10,508,000 |
| Income tax | -706,000 | -1,465,000 | -2,421,000 | -3,954,000 |
| Net income | -1,169,000 | -2,428,000 | -4,013,000 | -6,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,977,000 | 47,418,000 | 44,088,000 | 40,016,000 |
| Total capital | 50,629,000 | 51,075,000 | 48,425,000 | 44,372,000 |
| Risk-weighted assets | 358,878,000 | 354,021,000 | 346,024,000 | 345,153,000 |