Call reports 2013
FIRST SOUTHERN BANK — 2013
What FIRST SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 995,484,000 | 1,019,084,000 | 1,038,822,000 | 1,044,130,000 |
| Total loans | 533,694,000 | 552,329,000 | 558,180,000 | 635,492,000 |
| Allowance for loan losses | 19,698,000 | 15,486,000 | 14,415,000 | 12,876,000 |
| Securities available for sale | 219,843,000 | 257,505,000 | 257,043,000 | 223,628,000 |
| Securities held to maturity | 6,012,000 | 5,977,000 | 5,942,000 | 5,907,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 835,935,000 | 864,124,000 | 881,406,000 | 887,000,000 |
| Interest-bearing deposits | 654,079,000 | 668,371,000 | 669,041,000 | 682,343,000 |
| Noninterest-bearing deposits | 181,856,000 | 195,753,000 | 212,365,000 | 204,657,000 |
| Equity capital | 156,792,000 | 152,302,000 | 153,963,000 | 153,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,145,000 | 17,865,000 | 27,082,000 | 36,741,000 |
| Interest expense | 1,125,000 | 2,233,000 | 3,299,000 | 4,328,000 |
| Net interest income | 8,020,000 | 15,632,000 | 23,783,000 | 32,413,000 |
| Noninterest income | 465,000 | 1,418,000 | -1,018,000 | -1,955,000 |
| Noninterest expense | 8,348,000 | 17,566,000 | 24,264,000 | 32,769,000 |
| Provision for loan losses | -364,000 | -1,130,000 | -3,539,000 | -5,296,000 |
| Pretax income | 501,000 | 614,000 | 2,040,000 | 3,042,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 501,000 | 614,000 | 2,040,000 | 3,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 132,762,000 | 132,936,000 | 134,421,000 | 135,481,000 |
| Total capital | 140,766,000 | 141,312,000 | 142,962,000 | 144,603,000 |
| Risk-weighted assets | 628,623,000 | 662,988,000 | 677,390,000 | 726,039,000 |
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