Call reports 2013
FIRST SOUTHERN BANK — 2013
What FIRST SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 193,948,000 | 194,530,000 | 196,928,000 | 194,698,000 |
| Total loans | 128,773,000 | 139,538,000 | 144,116,000 | 146,066,000 |
| Allowance for loan losses | 2,402,000 | 2,465,000 | 2,539,000 | 1,679,000 |
| Securities available for sale | 35,889,000 | 34,120,000 | 32,242,000 | 30,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,046,000 | 173,628,000 | 174,779,000 | 171,968,000 |
| Interest-bearing deposits | 156,129,000 | 156,195,000 | 154,410,000 | 153,991,000 |
| Noninterest-bearing deposits | 16,917,000 | 17,433,000 | 20,369,000 | 17,977,000 |
| Equity capital | 17,521,000 | 17,429,000 | 17,912,000 | 17,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 4,055,000 | 6,187,000 | 8,330,000 |
| Interest expense | 306,000 | 570,000 | 775,000 | 972,000 |
| Net interest income | 1,659,000 | 3,485,000 | 5,412,000 | 7,358,000 |
| Noninterest income | 327,000 | 666,000 | 1,006,000 | 1,329,000 |
| Noninterest expense | 1,426,000 | 2,923,000 | 4,422,000 | 6,014,000 |
| Provision for loan losses | 60,000 | 120,000 | 295,000 | 460,000 |
| Pretax income | 502,000 | 1,177,000 | 1,762,000 | 2,283,000 |
| Income tax | 117,000 | 220,000 | 332,000 | 739,000 |
| Net income | 385,000 | 957,000 | 1,430,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,214,000 | 17,787,000 | 18,260,000 | 17,874,000 |
| Total capital | 18,763,000 | 19,449,000 | 19,981,000 | 19,553,000 |
| Risk-weighted assets | 123,069,000 | 132,174,000 | 136,850,000 | 137,061,000 |