Call reports 2006
FIRST SOUTHERN BANK — 2006
What FIRST SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 239,919,000 | 244,926,000 | 251,759,000 | 291,217,000 |
| Total loans | 116,001,000 | 121,533,000 | 121,161,000 | 135,788,000 |
| Allowance for loan losses | 1,258,000 | 1,288,000 | 1,317,000 | 1,443,000 |
| Securities available for sale | 99,462,000 | 95,615,000 | 99,802,000 | 128,044,000 |
| Securities held to maturity | 9,393,000 | 9,226,000 | 9,226,000 | 9,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,249,000 | 195,725,000 | 198,368,000 | 230,038,000 |
| Interest-bearing deposits | 156,726,000 | 164,296,000 | 188,575,000 | 218,310,000 |
| Noninterest-bearing deposits | 31,523,000 | 31,429,000 | 9,793,000 | 11,728,000 |
| Equity capital | 23,009,000 | 22,120,000 | 17,702,000 | 25,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,115,000 | 6,390,000 | 9,789,000 | 13,813,000 |
| Interest expense | 1,207,000 | 2,555,000 | 4,061,000 | 5,950,000 |
| Net interest income | 1,908,000 | 3,835,000 | 5,728,000 | 7,863,000 |
| Noninterest income | 354,000 | 717,000 | 1,094,000 | 1,485,000 |
| Noninterest expense | 1,386,000 | 2,728,000 | 4,153,000 | 5,768,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 834,000 | 1,752,000 | 2,567,000 | 3,449,000 |
| Income tax | 13,000 | 26,000 | 38,000 | 52,000 |
| Net income | 821,000 | 1,726,000 | 2,529,000 | 3,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,790,000 | 25,276,000 | 19,495,000 | 25,203,000 |
| Total capital | 26,048,000 | 26,564,000 | 20,812,000 | 26,646,000 |
| Risk-weighted assets | 147,332,000 | 153,834,000 | 153,348,000 | 183,406,000 |