Call reports 2005
FIRST SOUTHERN BANK — 2005
What FIRST SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 187,644,000 | 236,707,000 | 235,005,000 | 236,432,000 |
| Total loans | 83,236,000 | 107,312,000 | 111,376,000 | 111,381,000 |
| Allowance for loan losses | 1,172,000 | 1,399,000 | 1,404,000 | 1,250,000 |
| Securities available for sale | 80,674,000 | 103,797,000 | 99,849,000 | 99,998,000 |
| Securities held to maturity | 10,281,000 | 10,281,000 | 10,280,000 | 10,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,250,000 | 181,546,000 | 181,242,000 | 186,645,000 |
| Interest-bearing deposits | 124,024,000 | 151,775,000 | 151,150,000 | 153,787,000 |
| Noninterest-bearing deposits | 24,226,000 | 29,771,000 | 30,092,000 | 32,858,000 |
| Equity capital | 19,036,000 | 24,093,000 | 23,715,000 | 23,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,265,000 | 5,578,000 | 8,550,000 | 11,522,000 |
| Interest expense | 681,000 | 1,699,000 | 2,770,000 | 3,912,000 |
| Net interest income | 1,584,000 | 3,879,000 | 5,780,000 | 7,610,000 |
| Noninterest income | 282,000 | 589,000 | 887,000 | 1,207,000 |
| Noninterest expense | 1,034,000 | 2,571,000 | 3,878,000 | 5,202,000 |
| Provision for loan losses | 30,000 | 72,000 | 102,000 | 132,000 |
| Pretax income | 802,000 | 1,821,000 | 2,682,000 | 3,480,000 |
| Income tax | 12,000 | 27,000 | 40,000 | 3,000 |
| Net income | 790,000 | 1,794,000 | 2,642,000 | 3,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,748,000 | 24,288,000 | 24,468,000 | 24,635,000 |
| Total capital | 20,920,000 | 25,687,000 | 25,872,000 | 25,885,000 |
| Risk-weighted assets | 115,099,000 | 149,773,000 | 143,848,000 | 144,513,000 |