Call reports 2005
FIRST SOUTHERN BANK — 2005
What FIRST SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 98,073,000 | 96,215,000 | 97,379,000 | 96,375,000 |
| Total loans | 77,614,000 | 79,684,000 | 80,483,000 | 79,785,000 |
| Allowance for loan losses | 2,574,000 | 2,507,000 | 2,684,000 | 2,400,000 |
| Securities available for sale | 12,362,000 | 9,784,000 | 7,927,000 | 9,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,936,000 | 85,300,000 | 88,548,000 | 87,345,000 |
| Interest-bearing deposits | 74,156,000 | 75,025,000 | 77,382,000 | 76,233,000 |
| Noninterest-bearing deposits | 10,780,000 | 10,275,000 | 11,166,000 | 11,112,000 |
| Equity capital | 7,824,000 | 8,127,000 | 8,543,000 | 8,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,771,000 | 4,214,000 | 5,687,000 |
| Interest expense | 455,000 | 946,000 | 1,426,000 | 1,926,000 |
| Net interest income | 902,000 | 1,825,000 | 2,788,000 | 3,761,000 |
| Noninterest income | 108,000 | 164,000 | 281,000 | 392,000 |
| Noninterest expense | 923,000 | 2,047,000 | 3,052,000 | 4,076,000 |
| Provision for loan losses | 0 | -350,000 | -750,000 | -935,000 |
| Pretax income | 87,000 | 232,000 | 658,000 | 903,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | 232,000 | 658,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,034,000 | 8,179,000 | 8,605,000 | 8,850,000 |
| Total capital | 8,919,000 | 9,081,000 | 9,513,000 | 9,759,000 |
| Risk-weighted assets | 69,135,000 | 70,574,000 | 70,858,000 | 71,238,000 |