Call reports 2011
FIRST SOUTHERN BANK — 2011
What FIRST SOUTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 318,545,000 | 325,724,000 | 336,253,000 | 330,164,000 |
| Total loans | 181,412,000 | 185,941,000 | 188,681,000 | 186,481,000 |
| Allowance for loan losses | 1,625,000 | 1,666,000 | 1,701,000 | 1,712,000 |
| Securities available for sale | 110,562,000 | 102,376,000 | 105,218,000 | 113,840,000 |
| Securities held to maturity | 6,009,000 | 9,706,000 | 9,948,000 | 10,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,883,000 | 256,188,000 | 265,366,000 | 261,483,000 |
| Interest-bearing deposits | 252,358,000 | 249,293,000 | 259,440,000 | 256,000,000 |
| Noninterest-bearing deposits | 6,525,000 | 6,895,000 | 5,926,000 | 5,483,000 |
| Equity capital | 34,617,000 | 36,468,000 | 38,333,000 | 39,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,403,000 | 6,809,000 | 10,241,000 | 13,692,000 |
| Interest expense | 596,000 | 1,140,000 | 1,676,000 | 2,200,000 |
| Net interest income | 2,807,000 | 5,669,000 | 8,565,000 | 11,492,000 |
| Noninterest income | 485,000 | 924,000 | 1,483,000 | 1,993,000 |
| Noninterest expense | 1,791,000 | 3,613,000 | 5,395,000 | 7,057,000 |
| Provision for loan losses | 54,000 | 96,000 | 132,000 | 168,000 |
| Pretax income | 1,464,000 | 2,996,000 | 4,743,000 | 6,487,000 |
| Income tax | 14,000 | 32,000 | 46,000 | 63,000 |
| Net income | 1,450,000 | 2,964,000 | 4,697,000 | 6,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,063,000 | 32,589,000 | 34,331,000 | 35,969,000 |
| Total capital | 32,688,000 | 34,255,000 | 36,032,000 | 37,681,000 |
| Risk-weighted assets | 215,453,000 | 218,096,000 | 224,852,000 | 222,428,000 |