Call reports 2001
FIRST SOUTHERN BANK — 2001
What FIRST SOUTHERN BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 168,229,000 | 167,227,000 | 184,428,000 | 182,717,000 |
| Total loans | 59,193,000 | 66,376,000 | 72,028,000 | 71,131,000 |
| Allowance for loan losses | 791,000 | 857,000 | 878,000 | 852,000 |
| Securities available for sale | 94,197,000 | 85,064,000 | 91,312,000 | 97,164,000 |
| Securities held to maturity | 6,422,000 | 5,118,000 | 4,895,000 | 4,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,472,000 | 141,018,000 | 159,050,000 | 153,939,000 |
| Interest-bearing deposits | 126,082,000 | 123,260,000 | 140,553,000 | 133,237,000 |
| Noninterest-bearing deposits | 18,390,000 | 17,758,000 | 18,497,000 | 20,702,000 |
| Equity capital | 17,670,000 | 17,655,000 | 18,797,000 | 15,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,644,000 | 5,329,000 | 8,030,000 | 10,745,000 |
| Interest expense | 1,422,000 | 2,825,000 | 4,151,000 | 5,388,000 |
| Net interest income | 1,222,000 | 2,504,000 | 3,879,000 | 5,357,000 |
| Noninterest income | 218,000 | 414,000 | 593,000 | 780,000 |
| Noninterest expense | 844,000 | 1,692,000 | 2,532,000 | 3,420,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 335,000 |
| Pretax income | 565,000 | 1,137,000 | 1,782,000 | 2,525,000 |
| Income tax | 144,000 | 271,000 | 426,000 | 580,000 |
| Net income | 421,000 | 866,000 | 1,356,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,131,000 | 17,134,000 | 17,455,000 | 14,743,000 |
| Total capital | 17,922,000 | 17,991,000 | 18,333,000 | 15,595,000 |
| Risk-weighted assets | 75,972,000 | 80,933,000 | 88,686,000 | 89,382,000 |