Call reports 2006
FIRST SOUTHERN BANK — 2006
What FIRST SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 94,002,000 | 97,460,000 | 99,762,000 | 103,608,000 |
| Total loans | 79,550,000 | 83,416,000 | 85,598,000 | 84,873,000 |
| Allowance for loan losses | 2,243,000 | 2,089,000 | 2,165,000 | 1,931,000 |
| Securities available for sale | 10,043,000 | 9,585,000 | 9,199,000 | 8,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,756,000 | 85,858,000 | 88,328,000 | 92,050,000 |
| Interest-bearing deposits | 74,460,000 | 74,566,000 | 77,708,000 | 79,720,000 |
| Noninterest-bearing deposits | 10,296,000 | 11,292,000 | 10,620,000 | 12,330,000 |
| Equity capital | 8,960,000 | 9,244,000 | 9,459,000 | 11,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,487,000 | 3,083,000 | 4,766,000 | 6,523,000 |
| Interest expense | 537,000 | 1,127,000 | 1,797,000 | 2,519,000 |
| Net interest income | 950,000 | 1,956,000 | 2,969,000 | 4,004,000 |
| Noninterest income | 118,000 | 240,000 | 391,000 | 1,104,000 |
| Noninterest expense | 1,037,000 | 2,085,000 | 3,102,000 | 4,377,000 |
| Provision for loan losses | -200,000 | -482,000 | -482,000 | -714,000 |
| Pretax income | 231,000 | 593,000 | 738,000 | 1,443,000 |
| Income tax | 0 | 0 | 0 | -872,000 |
| Net income | 231,000 | 593,000 | 738,000 | 2,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,081,000 | 9,443,000 | 9,588,000 | 10,490,000 |
| Total capital | 9,980,000 | 10,383,000 | 10,546,000 | 11,431,000 |
| Risk-weighted assets | 70,548,000 | 74,030,000 | 75,435,000 | 74,294,000 |