Call reports 2003
FIRST SOUTHERN BANK — 2003
What FIRST SOUTHERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 192,748,000 | 199,762,000 | 191,935,000 | 195,831,000 |
| Total loans | 70,518,000 | 69,451,000 | 67,115,000 | 67,686,000 |
| Allowance for loan losses | 994,000 | 1,022,000 | 1,069,000 | 1,081,000 |
| Securities available for sale | 103,324,000 | 107,679,000 | 97,970,000 | 97,785,000 |
| Securities held to maturity | 7,671,000 | 7,281,000 | 11,259,000 | 11,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,163,000 | 156,529,000 | 152,494,000 | 161,397,000 |
| Interest-bearing deposits | 126,802,000 | 133,018,000 | 129,895,000 | 140,721,000 |
| Noninterest-bearing deposits | 22,361,000 | 23,511,000 | 22,599,000 | 20,676,000 |
| Equity capital | 18,580,000 | 19,137,000 | 18,445,000 | 18,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,372,000 | 4,631,000 | 6,780,000 | 8,915,000 |
| Interest expense | 840,000 | 1,591,000 | 2,267,000 | 2,895,000 |
| Net interest income | 1,532,000 | 3,040,000 | 4,513,000 | 6,020,000 |
| Noninterest income | 293,000 | 636,000 | 928,000 | 1,161,000 |
| Noninterest expense | 934,000 | 1,935,000 | 2,926,000 | 3,894,000 |
| Provision for loan losses | 93,000 | 186,000 | 249,000 | 312,000 |
| Pretax income | 855,000 | 1,636,000 | 2,394,000 | 3,170,000 |
| Income tax | 188,000 | 336,000 | 503,000 | 665,000 |
| Net income | 667,000 | 1,300,000 | 1,891,000 | 2,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,171,000 | 17,617,000 | 17,748,000 | 18,180,000 |
| Total capital | 18,165,000 | 18,639,000 | 18,817,000 | 19,261,000 |
| Risk-weighted assets | 94,591,000 | 100,469,000 | 97,515,000 | 98,574,000 |