Call reports 2005
FIRST SOUTHERN NATIONAL BANK — 2005
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 94,180,000 | 105,637,000 | 112,947,000 | 114,695,000 |
| Total loans | 75,428,000 | 84,308,000 | 88,562,000 | 93,811,000 |
| Allowance for loan losses | 1,042,000 | 1,119,000 | 1,182,000 | 1,226,000 |
| Securities available for sale | 6,766,000 | 11,049,000 | 11,355,000 | 10,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,076,000 | 89,163,000 | 95,266,000 | 96,701,000 |
| Interest-bearing deposits | 74,375,000 | 80,693,000 | 84,012,000 | 83,968,000 |
| Noninterest-bearing deposits | 8,701,000 | 8,470,000 | 11,254,000 | 12,733,000 |
| Equity capital | 7,631,000 | 7,832,000 | 9,024,000 | 9,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,801,000 | 4,542,000 | 6,447,000 |
| Interest expense | 423,000 | 961,000 | 1,640,000 | 2,386,000 |
| Net interest income | 878,000 | 1,840,000 | 2,902,000 | 4,061,000 |
| Noninterest income | 161,000 | 326,000 | 518,000 | 672,000 |
| Noninterest expense | 731,000 | 1,508,000 | 2,338,000 | 3,224,000 |
| Provision for loan losses | 75,000 | 150,000 | 240,000 | 315,000 |
| Pretax income | 233,000 | 508,000 | 842,000 | 1,194,000 |
| Income tax | 80,000 | 187,000 | 311,000 | 440,000 |
| Net income | 153,000 | 321,000 | 531,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,710,000 | 7,879,000 | 9,088,000 | 9,311,000 |
| Total capital | 8,732,000 | 8,943,000 | 10,212,000 | 10,478,000 |
| Risk-weighted assets | 81,744,000 | 84,279,000 | 89,436,000 | 93,323,000 |