Call reports 2001
FIRST SOUTHERN BANK — 2001
What FIRST SOUTHERN BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 150,216,000 | 144,972,000 | 138,952,000 | 131,473,000 |
| Total loans | 129,506,000 | 115,887,000 | 103,579,000 | 96,400,000 |
| Allowance for loan losses | 5,762,000 | 6,936,000 | 5,061,000 | 5,159,000 |
| Securities available for sale | 2,470,000 | 3,001,000 | 3,042,000 | 12,859,000 |
| Securities held to maturity | 3,331,000 | 3,300,000 | 3,261,000 | 3,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,258,000 | 123,458,000 | 123,857,000 | 118,852,000 |
| Interest-bearing deposits | 120,722,000 | 117,612,000 | 117,925,000 | 112,795,000 |
| Noninterest-bearing deposits | 6,536,000 | 5,846,000 | 5,932,000 | 6,057,000 |
| Equity capital | 9,536,000 | 8,191,000 | 8,800,000 | 6,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,321,000 | 6,124,000 | 8,473,000 | 10,494,000 |
| Interest expense | 1,899,000 | 3,561,000 | 5,113,000 | 6,393,000 |
| Net interest income | 1,422,000 | 2,563,000 | 3,360,000 | 4,101,000 |
| Noninterest income | 144,000 | 91,000 | 84,000 | -422,000 |
| Noninterest expense | 1,279,000 | 2,556,000 | 5,459,000 | 6,155,000 |
| Provision for loan losses | 813,000 | 2,905,000 | 2,172,000 | 5,108,000 |
| Pretax income | -532,000 | -2,813,000 | -4,193,000 | -7,590,000 |
| Income tax | -215,000 | -1,115,000 | 711,000 | -243,000 |
| Net income | -317,000 | -1,698,000 | -4,904,000 | -7,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,555,000 | 8,191,000 | 8,786,000 | 6,793,000 |
| Total capital | 11,105,000 | 9,640,000 | 10,085,000 | 8,013,000 |
| Risk-weighted assets | 119,770,000 | 110,395,000 | 100,122,000 | 93,633,000 |