Call reports 2012
FIRST SOUTHERN BANK — 2012
What FIRST SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 180,968,000 | 191,370,000 | 189,478,000 | 196,568,000 |
| Total loans | 125,534,000 | 128,227,000 | 127,397,000 | 123,953,000 |
| Allowance for loan losses | 2,205,000 | 2,298,000 | 2,274,000 | 2,341,000 |
| Securities available for sale | 34,183,000 | 35,254,000 | 37,896,000 | 35,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,161,000 | 171,730,000 | 169,020,000 | 175,976,000 |
| Interest-bearing deposits | 147,834,000 | 153,401,000 | 152,670,000 | 158,656,000 |
| Noninterest-bearing deposits | 17,327,000 | 18,329,000 | 16,350,000 | 17,320,000 |
| Equity capital | 15,363,000 | 16,230,000 | 16,910,000 | 17,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,061,000 | 4,145,000 | 6,257,000 | 8,249,000 |
| Interest expense | 398,000 | 804,000 | 1,154,000 | 1,496,000 |
| Net interest income | 1,663,000 | 3,341,000 | 5,103,000 | 6,753,000 |
| Noninterest income | 346,000 | 665,000 | 1,004,000 | 1,352,000 |
| Noninterest expense | 1,410,000 | 2,837,000 | 4,292,000 | 5,803,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 350,000 |
| Pretax income | 494,000 | 1,010,000 | 1,571,000 | 2,117,000 |
| Income tax | 166,000 | 335,000 | 489,000 | 687,000 |
| Net income | 328,000 | 675,000 | 1,082,000 | 1,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,887,000 | 15,734,000 | 16,341,000 | 16,829,000 |
| Total capital | 16,377,000 | 17,291,000 | 17,900,000 | 18,315,000 |
| Risk-weighted assets | 118,446,000 | 123,793,000 | 124,043,000 | 117,987,000 |