Call reports 2013
FIRST SOUTHERN BANK — 2013
What FIRST SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 343,277,000 | 340,468,000 | 349,106,000 | 349,232,000 |
| Total loans | 205,332,000 | 206,364,000 | 211,988,000 | 203,445,000 |
| Allowance for loan losses | 1,807,000 | 1,782,000 | 1,939,000 | 1,473,000 |
| Securities available for sale | 112,950,000 | 115,540,000 | 114,222,000 | 109,640,000 |
| Securities held to maturity | 7,439,000 | 7,205,000 | 7,580,000 | 16,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,518,000 | 279,643,000 | 280,798,000 | 286,926,000 |
| Interest-bearing deposits | 279,490,000 | 278,080,000 | 278,904,000 | 281,941,000 |
| Noninterest-bearing deposits | 2,028,000 | 1,563,000 | 1,894,000 | 4,985,000 |
| Equity capital | 36,140,000 | 35,128,000 | 35,357,000 | 35,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,096,000 | 6,217,000 | 9,402,000 | 12,671,000 |
| Interest expense | 401,000 | 811,000 | 1,210,000 | 1,600,000 |
| Net interest income | 2,695,000 | 5,406,000 | 8,192,000 | 11,071,000 |
| Noninterest income | 457,000 | 903,000 | 1,337,000 | 1,771,000 |
| Noninterest expense | 1,864,000 | 3,703,000 | 5,498,000 | 7,320,000 |
| Provision for loan losses | 60,000 | 210,000 | 360,000 | 510,000 |
| Pretax income | 1,435,000 | 2,663,000 | 3,953,000 | 5,295,000 |
| Income tax | 14,000 | 26,000 | 39,000 | 52,000 |
| Net income | 1,421,000 | 2,637,000 | 3,914,000 | 5,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,647,000 | 34,874,000 | 36,163,000 | 35,703,000 |
| Total capital | 35,454,000 | 36,656,000 | 38,102,000 | 37,176,000 |
| Risk-weighted assets | 249,561,000 | 253,501,000 | 259,556,000 | 259,097,000 |