Call reports 2010
FIRST SOUTHERN BANK — 2010
What FIRST SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 453,179,000 | 448,175,000 | 567,912,000 | 546,654,000 |
| Total loans | 313,075,000 | 291,619,000 | 357,786,000 | 347,687,000 |
| Allowance for loan losses | 10,450,000 | 12,056,000 | 11,961,000 | 12,046,000 |
| Securities available for sale | 45,703,000 | 94,279,000 | 90,485,000 | 126,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,796,000 | 343,828,000 | 455,511,000 | 440,854,000 |
| Interest-bearing deposits | 286,717,000 | 286,661,000 | 389,884,000 | 375,829,000 |
| Noninterest-bearing deposits | 55,079,000 | 57,167,000 | 65,627,000 | 65,025,000 |
| Equity capital | 98,440,000 | 90,388,000 | 87,214,000 | 81,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,820,000 | 9,629,000 | 14,416,000 | 20,455,000 |
| Interest expense | 1,420,000 | 2,704,000 | 3,850,000 | 5,231,000 |
| Net interest income | 3,400,000 | 6,925,000 | 10,566,000 | 15,224,000 |
| Noninterest income | 120,000 | 259,000 | 1,354,000 | 2,105,000 |
| Noninterest expense | 6,049,000 | 13,012,000 | 18,627,000 | 26,832,000 |
| Provision for loan losses | 7,900,000 | 19,125,000 | 21,525,000 | 23,395,000 |
| Pretax income | -10,429,000 | -24,953,000 | -28,232,000 | -32,898,000 |
| Income tax | -3,924,000 | -9,390,000 | 3,646,000 | 4,142,000 |
| Net income | -6,505,000 | -15,563,000 | -31,878,000 | -37,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,627,000 | 75,102,000 | 85,496,000 | 80,345,000 |
| Total capital | 93,967,000 | 79,343,000 | 90,827,000 | 85,436,000 |
| Risk-weighted assets | 341,113,000 | 331,429,000 | 419,856,000 | 400,313,000 |
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