Call reports 2003
FIRST SOUTHERN BANK — 2003
What FIRST SOUTHERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,926,000 | 96,021,000 | 101,990,000 | 96,288,000 |
| Total loans | 72,140,000 | 72,914,000 | 74,326,000 | 72,265,000 |
| Allowance for loan losses | 4,056,000 | 3,693,000 | 3,766,000 | 2,866,000 |
| Securities available for sale | 15,251,000 | 12,720,000 | 12,414,000 | 12,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,466,000 | 81,582,000 | 87,769,000 | 82,329,000 |
| Interest-bearing deposits | 76,004,000 | 74,742,000 | 74,299,000 | 72,989,000 |
| Noninterest-bearing deposits | 5,462,000 | 6,840,000 | 13,470,000 | 9,340,000 |
| Equity capital | 8,463,000 | 8,463,000 | 8,287,000 | 8,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,349,000 | 2,710,000 | 4,021,000 | 5,291,000 |
| Interest expense | 527,000 | 1,008,000 | 1,459,000 | 1,879,000 |
| Net interest income | 822,000 | 1,702,000 | 2,562,000 | 3,412,000 |
| Noninterest income | 151,000 | 284,000 | 432,000 | 393,000 |
| Noninterest expense | 972,000 | 1,939,000 | 2,912,000 | 3,907,000 |
| Provision for loan losses | -200,000 | -389,000 | -288,000 | -288,000 |
| Pretax income | 201,000 | 489,000 | 426,000 | 241,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 201,000 | 484,000 | 421,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,322,000 | 8,355,000 | 8,292,000 | 8,108,000 |
| Total capital | 9,203,000 | 9,225,000 | 9,182,000 | 8,953,000 |
| Risk-weighted assets | 67,343,000 | 66,813,000 | 68,323,000 | 65,543,000 |