Call reports 2012
FIRST SOUTHERN BANK — 2012
What FIRST SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 331,888,000 | 337,301,000 | 337,571,000 | 331,518,000 |
| Total loans | 189,024,000 | 193,563,000 | 198,863,000 | 202,661,000 |
| Allowance for loan losses | 1,679,000 | 1,691,000 | 1,748,000 | 1,740,000 |
| Securities available for sale | 109,737,000 | 107,995,000 | 105,850,000 | 103,632,000 |
| Securities held to maturity | 10,068,000 | 10,578,000 | 10,534,000 | 9,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,492,000 | 268,220,000 | 264,525,000 | 267,074,000 |
| Interest-bearing deposits | 264,779,000 | 263,633,000 | 261,116,000 | 262,670,000 |
| Noninterest-bearing deposits | 5,713,000 | 4,587,000 | 3,409,000 | 4,404,000 |
| Equity capital | 37,214,000 | 38,578,000 | 40,503,000 | 38,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,321,000 | 6,677,000 | 9,967,000 | 13,194,000 |
| Interest expense | 494,000 | 966,000 | 1,417,000 | 1,858,000 |
| Net interest income | 2,827,000 | 5,711,000 | 8,550,000 | 11,336,000 |
| Noninterest income | 565,000 | 1,053,000 | 1,636,000 | 2,209,000 |
| Noninterest expense | 1,830,000 | 3,654,000 | 5,458,000 | 7,307,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 216,000 |
| Pretax income | 1,512,000 | 3,020,000 | 4,587,000 | 6,043,000 |
| Income tax | 15,000 | 29,000 | 45,000 | 59,000 |
| Net income | 1,497,000 | 2,991,000 | 4,542,000 | 5,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,923,000 | 35,428,000 | 36,987,000 | 35,779,000 |
| Total capital | 35,602,000 | 37,119,000 | 38,735,000 | 37,519,000 |
| Risk-weighted assets | 226,601,000 | 232,078,000 | 241,034,000 | 243,917,000 |