Call reports 2010
FIRST SOUTHERN BANK — 2010
What FIRST SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 310,482,000 | 342,348,000 | 339,569,000 | 326,789,000 |
| Total loans | 170,788,000 | 172,941,000 | 177,109,000 | 174,954,000 |
| Allowance for loan losses | 1,486,000 | 1,535,000 | 1,561,000 | 1,586,000 |
| Securities available for sale | 105,739,000 | 129,518,000 | 129,398,000 | 118,298,000 |
| Securities held to maturity | 4,774,000 | 4,773,000 | 5,115,000 | 6,964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,368,000 | 271,747,000 | 269,837,000 | 260,022,000 |
| Interest-bearing deposits | 245,746,000 | 261,831,000 | 261,072,000 | 250,850,000 |
| Noninterest-bearing deposits | 10,622,000 | 9,916,000 | 8,765,000 | 9,172,000 |
| Equity capital | 32,206,000 | 34,487,000 | 35,940,000 | 36,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,457,000 | 6,962,000 | 10,624,000 | 14,164,000 |
| Interest expense | 783,000 | 1,581,000 | 2,341,000 | 3,035,000 |
| Net interest income | 2,674,000 | 5,381,000 | 8,283,000 | 11,129,000 |
| Noninterest income | 526,000 | 1,004,000 | 1,525,000 | 2,081,000 |
| Noninterest expense | 1,739,000 | 3,434,000 | 5,197,000 | 6,957,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,440,000 | 2,885,000 | 4,517,000 | 6,122,000 |
| Income tax | 14,000 | 28,000 | 44,000 | 60,000 |
| Net income | 1,426,000 | 2,857,000 | 4,473,000 | 6,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,319,000 | 29,761,000 | 31,389,000 | 32,989,000 |
| Total capital | 29,805,000 | 31,296,000 | 32,950,000 | 34,575,000 |
| Risk-weighted assets | 205,609,000 | 213,031,000 | 214,579,000 | 211,897,000 |