Call reports 2004
FIRST SOUTHERN BANK — 2004
What FIRST SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 95,978,000 | 94,498,000 | 94,933,000 | 96,644,000 |
| Total loans | 72,942,000 | 73,179,000 | 75,966,000 | 77,312,000 |
| Allowance for loan losses | 2,850,000 | 2,781,000 | 2,582,000 | 2,559,000 |
| Securities available for sale | 12,746,000 | 13,235,000 | 13,302,000 | 11,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,072,000 | 81,026,000 | 79,261,000 | 83,520,000 |
| Interest-bearing deposits | 73,602,000 | 73,263,000 | 70,808,000 | 74,645,000 |
| Noninterest-bearing deposits | 8,470,000 | 7,763,000 | 8,453,000 | 8,875,000 |
| Equity capital | 7,974,000 | 7,627,000 | 7,811,000 | 7,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,230,000 | 2,473,000 | 3,738,000 | 5,055,000 |
| Interest expense | 392,000 | 773,000 | 1,157,000 | 1,575,000 |
| Net interest income | 838,000 | 1,700,000 | 2,581,000 | 3,480,000 |
| Noninterest income | 88,000 | 149,000 | 229,000 | 374,000 |
| Noninterest expense | 976,000 | 1,985,000 | 3,163,000 | 4,133,000 |
| Provision for loan losses | 0 | 0 | -250,000 | -250,000 |
| Pretax income | -51,000 | -137,000 | -104,000 | -29,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -51,000 | -137,000 | -104,000 | -29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,926,000 | 7,838,000 | 7,871,000 | 7,946,000 |
| Total capital | 8,766,000 | 8,681,000 | 8,751,000 | 8,835,000 |
| Risk-weighted assets | 65,340,000 | 65,497,000 | 68,694,000 | 69,461,000 |