Call reports 2012
FIRST SOUTHERN BANK — 2012
What FIRST SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 975,957,000 | 978,880,000 | 995,933,000 | 1,007,696,000 |
| Total loans | 569,780,000 | 548,964,000 | 536,043,000 | 540,426,000 |
| Allowance for loan losses | 13,205,000 | 18,361,000 | 18,009,000 | 20,174,000 |
| Securities available for sale | 234,184,000 | 217,328,000 | 227,640,000 | 241,338,000 |
| Securities held to maturity | 2,321,000 | 2,309,000 | 6,082,000 | 6,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 808,470,000 | 815,324,000 | 829,995,000 | 847,824,000 |
| Interest-bearing deposits | 654,188,000 | 657,064,000 | 665,312,000 | 660,688,000 |
| Noninterest-bearing deposits | 154,282,000 | 158,260,000 | 164,683,000 | 187,136,000 |
| Equity capital | 165,733,000 | 159,781,000 | 160,218,000 | 156,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 11,169,000 | 21,715,000 | 31,593,000 | 40,987,000 |
| Interest expense | 1,500,000 | 2,922,000 | 4,303,000 | 5,562,000 |
| Net interest income | 9,669,000 | 18,793,000 | 27,290,000 | 35,425,000 |
| Noninterest income | 1,164,000 | 2,092,000 | 2,479,000 | 3,694,000 |
| Noninterest expense | 11,987,000 | 22,369,000 | 32,135,000 | 40,592,000 |
| Provision for loan losses | -24,000 | 5,613,000 | 4,268,000 | 7,303,000 |
| Pretax income | -1,130,000 | -7,097,000 | -6,634,000 | -8,556,000 |
| Income tax | -65,000 | -70,000 | -61,000 | 0 |
| Net income | -1,065,000 | -7,027,000 | -6,573,000 | -8,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,444,000 | 133,565,000 | 134,104,000 | 132,203,000 |
| Total capital | 147,829,000 | 141,688,000 | 142,158,000 | 140,435,000 |
| Risk-weighted assets | 665,995,000 | 639,565,000 | 634,384,000 | 646,657,000 |