Call reports 2002
FIRST SOUTHERN BANK — 2002
What FIRST SOUTHERN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 183,094,000 | 186,441,000 | 193,990,000 | 193,466,000 |
| Total loans | 75,350,000 | 76,589,000 | 72,072,000 | 72,909,000 |
| Allowance for loan losses | 827,000 | 872,000 | 958,000 | 961,000 |
| Securities available for sale | 92,820,000 | 87,589,000 | 103,544,000 | 103,424,000 |
| Securities held to maturity | 4,256,000 | 4,780,000 | 5,366,000 | 6,642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,118,000 | 149,618,000 | 148,830,000 | 150,717,000 |
| Interest-bearing deposits | 131,593,000 | 129,502,000 | 128,045,000 | 128,364,000 |
| Noninterest-bearing deposits | 20,525,000 | 20,116,000 | 20,785,000 | 22,353,000 |
| Equity capital | 15,657,000 | 16,911,000 | 17,860,000 | 18,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,605,000 | 5,172,000 | 7,791,000 | 10,312,000 |
| Interest expense | 1,096,000 | 2,123,000 | 3,132,000 | 4,105,000 |
| Net interest income | 1,509,000 | 3,049,000 | 4,659,000 | 6,207,000 |
| Noninterest income | 229,000 | 437,000 | 644,000 | 902,000 |
| Noninterest expense | 893,000 | 1,818,000 | 2,744,000 | 3,707,000 |
| Provision for loan losses | 100,000 | 205,000 | 350,000 | 455,000 |
| Pretax income | 755,000 | 1,535,000 | 2,339,000 | 3,122,000 |
| Income tax | 178,000 | 364,000 | 552,000 | 724,000 |
| Net income | 577,000 | 1,171,000 | 1,787,000 | 2,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,317,000 | 15,760,000 | 16,226,000 | 16,687,000 |
| Total capital | 16,144,000 | 16,632,000 | 17,184,000 | 17,648,000 |
| Risk-weighted assets | 93,851,000 | 96,874,000 | 96,204,000 | 96,476,000 |