Call reports 2003
FIRST SOUTHERN NATIONAL BANK — 2003
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,864,000 | 47,201,000 | 51,620,000 | 63,040,000 |
| Total loans | 30,314,000 | 35,916,000 | 39,690,000 | 45,549,000 |
| Allowance for loan losses | 450,000 | 518,000 | 600,000 | 673,000 |
| Securities available for sale | 2,530,000 | 5,013,000 | 5,204,000 | 5,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,106,000 | 41,560,000 | 46,040,000 | 57,405,000 |
| Interest-bearing deposits | 30,437,000 | 35,273,000 | 38,839,000 | 50,198,000 |
| Noninterest-bearing deposits | 5,669,000 | 6,287,000 | 7,201,000 | 7,207,000 |
| Equity capital | 5,636,000 | 5,518,000 | 5,441,000 | 5,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 456,000 | 1,010,000 | 1,636,000 | 2,347,000 |
| Interest expense | 131,000 | 304,000 | 465,000 | 642,000 |
| Net interest income | 325,000 | 706,000 | 1,171,000 | 1,705,000 |
| Noninterest income | 107,000 | 248,000 | 359,000 | 467,000 |
| Noninterest expense | 476,000 | 1,026,000 | 1,563,000 | 2,121,000 |
| Provision for loan losses | 75,000 | 146,000 | 249,000 | 330,000 |
| Pretax income | -119,000 | -218,000 | -282,000 | -279,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -119,000 | -218,000 | -282,000 | -279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,624,000 | 5,529,000 | 5,479,000 | 5,468,000 |
| Total capital | 6,074,000 | 6,040,000 | 6,038,000 | 6,115,000 |
| Risk-weighted assets | 35,252,000 | 40,890,000 | 44,732,000 | 51,806,000 |