Call reports 2004
FIRST SOUTHERN BANK — 2004
What FIRST SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 196,540,000 | 193,810,000 | 193,700,000 | 187,319,000 |
| Total loans | 73,347,000 | 75,659,000 | 78,116,000 | 82,261,000 |
| Allowance for loan losses | 1,115,000 | 1,142,000 | 1,164,000 | 1,158,000 |
| Securities available for sale | 97,042,000 | 94,297,000 | 92,546,000 | 82,667,000 |
| Securities held to maturity | 10,205,000 | 11,894,000 | 11,598,000 | 11,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,330,000 | 153,545,000 | 153,233,000 | 149,858,000 |
| Interest-bearing deposits | 134,575,000 | 130,593,000 | 131,151,000 | 126,928,000 |
| Noninterest-bearing deposits | 25,755,000 | 22,952,000 | 22,082,000 | 22,930,000 |
| Equity capital | 19,891,000 | 18,585,000 | 20,004,000 | 19,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,203,000 | 4,370,000 | 6,588,000 | 8,781,000 |
| Interest expense | 600,000 | 1,212,000 | 1,835,000 | 2,485,000 |
| Net interest income | 1,603,000 | 3,158,000 | 4,753,000 | 6,296,000 |
| Noninterest income | 254,000 | 508,000 | 769,000 | 1,029,000 |
| Noninterest expense | 944,000 | 1,916,000 | 2,949,000 | 3,969,000 |
| Provision for loan losses | 63,000 | 112,000 | 150,000 | 180,000 |
| Pretax income | 851,000 | 1,639,000 | 2,437,000 | 3,269,000 |
| Income tax | 180,000 | 345,000 | 507,000 | 674,000 |
| Net income | 671,000 | 1,294,000 | 1,930,000 | 2,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,670,000 | 18,942,000 | 19,369,000 | 19,726,000 |
| Total capital | 19,785,000 | 20,084,000 | 20,533,000 | 20,884,000 |
| Risk-weighted assets | 105,701,000 | 109,590,000 | 112,101,000 | 113,909,000 |