Call reports 2009
FIRST SOUTHERN BANK — 2009
What FIRST SOUTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 291,715,000 | 295,883,000 | 306,972,000 | 302,792,000 |
| Total loans | 160,933,000 | 162,908,000 | 169,880,000 | 170,355,000 |
| Allowance for loan losses | 1,292,000 | 1,392,000 | 1,407,000 | 1,429,000 |
| Securities available for sale | 101,858,000 | 102,600,000 | 104,169,000 | 103,823,000 |
| Securities held to maturity | 10,360,000 | 10,894,000 | 6,492,000 | 5,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,448,000 | 236,970,000 | 228,846,000 | 240,074,000 |
| Interest-bearing deposits | 222,238,000 | 226,906,000 | 220,180,000 | 228,504,000 |
| Noninterest-bearing deposits | 10,210,000 | 10,064,000 | 8,666,000 | 11,570,000 |
| Equity capital | 29,719,000 | 30,152,000 | 32,276,000 | 33,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,622,000 | 7,247,000 | 10,859,000 | 14,473,000 |
| Interest expense | 1,092,000 | 2,139,000 | 3,131,000 | 4,032,000 |
| Net interest income | 2,530,000 | 5,108,000 | 7,728,000 | 10,441,000 |
| Noninterest income | 559,000 | 1,069,000 | 1,526,000 | 2,067,000 |
| Noninterest expense | 1,669,000 | 3,328,000 | 5,112,000 | 6,732,000 |
| Provision for loan losses | 95,000 | 185,000 | 230,000 | 275,000 |
| Pretax income | 1,326,000 | 2,682,000 | 4,011,000 | 5,590,000 |
| Income tax | 13,000 | 26,000 | 40,000 | 55,000 |
| Net income | 1,313,000 | 2,656,000 | 3,971,000 | 5,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,802,000 | 27,056,000 | 28,383,000 | 29,957,000 |
| Total capital | 27,094,000 | 28,448,000 | 29,790,000 | 31,386,000 |
| Risk-weighted assets | 193,810,000 | 196,813,000 | 204,239,000 | 204,112,000 |