Call reports 2007
FIRST SOUTHERN BANK — 2007
What FIRST SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 281,110,000 | 281,021,000 | 295,626,000 | 283,232,000 |
| Total loans | 138,059,000 | 141,063,000 | 143,448,000 | 145,913,000 |
| Allowance for loan losses | 1,463,000 | 1,495,000 | 1,510,000 | 1,426,000 |
| Securities available for sale | 115,217,000 | 107,665,000 | 111,964,000 | 111,533,000 |
| Securities held to maturity | 8,331,000 | 8,006,000 | 8,155,000 | 7,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,716,000 | 227,699,000 | 227,676,000 | 222,112,000 |
| Interest-bearing deposits | 216,532,000 | 217,868,000 | 218,076,000 | 213,300,000 |
| Noninterest-bearing deposits | 11,184,000 | 9,831,000 | 9,600,000 | 8,812,000 |
| Equity capital | 25,217,000 | 24,462,000 | 26,091,000 | 28,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,921,000 | 7,805,000 | 11,830,000 | 15,815,000 |
| Interest expense | 1,832,000 | 3,624,000 | 5,572,000 | 7,455,000 |
| Net interest income | 2,089,000 | 4,181,000 | 6,258,000 | 8,360,000 |
| Noninterest income | 441,000 | 864,000 | 1,333,000 | 1,839,000 |
| Noninterest expense | 1,612,000 | 3,227,000 | 4,910,000 | 6,591,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 884,000 | 1,756,000 | 2,588,000 | 3,544,000 |
| Income tax | 13,000 | 17,000 | 25,000 | 35,000 |
| Net income | 871,000 | 1,739,000 | 2,563,000 | 3,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,751,000 | 25,533,000 | 25,581,000 | 26,540,000 |
| Total capital | 26,214,000 | 27,028,000 | 27,091,000 | 27,966,000 |
| Risk-weighted assets | 170,867,000 | 173,483,000 | 191,048,000 | 177,510,000 |