Call reports 2010
FIRST SOUTHERN BANK — 2010
What FIRST SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 136,771,000 | 138,984,000 | 148,586,000 | 153,605,000 |
| Total loans | 100,132,000 | 102,954,000 | 109,731,000 | 111,066,000 |
| Allowance for loan losses | 1,934,000 | 2,002,000 | 2,026,000 | 2,026,000 |
| Securities available for sale | 16,583,000 | 15,848,000 | 20,018,000 | 20,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,197,000 | 126,997,000 | 136,294,000 | 139,988,000 |
| Interest-bearing deposits | 112,802,000 | 115,451,000 | 123,036,000 | 127,650,000 |
| Noninterest-bearing deposits | 12,395,000 | 11,546,000 | 13,258,000 | 12,338,000 |
| Equity capital | 11,187,000 | 11,717,000 | 11,969,000 | 13,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,391,000 | 5,188,000 | 7,010,000 |
| Interest expense | 509,000 | 1,016,000 | 1,532,000 | 2,053,000 |
| Net interest income | 1,164,000 | 2,375,000 | 3,656,000 | 4,957,000 |
| Noninterest income | 253,000 | 497,000 | 739,000 | 990,000 |
| Noninterest expense | 1,199,000 | 2,427,000 | 3,703,000 | 5,146,000 |
| Provision for loan losses | -190,000 | -190,000 | -190,000 | -190,000 |
| Pretax income | 424,000 | 709,000 | 957,000 | 1,070,000 |
| Income tax | 190,000 | 268,000 | 360,000 | 399,000 |
| Net income | 234,000 | 441,000 | 597,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,501,000 | 10,958,000 | 11,114,000 | 12,889,000 |
| Total capital | 11,615,000 | 12,116,000 | 12,332,000 | 14,139,000 |
| Risk-weighted assets | 88,294,000 | 91,824,000 | 96,631,000 | 99,254,000 |