Call reports 2006
FIRST SOUTHERN NATIONAL BANK — 2006
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 124,589,000 | 142,483,000 | 156,536,000 | 178,066,000 |
| Total loans | 98,723,000 | 114,276,000 | 131,619,000 | 139,089,000 |
| Allowance for loan losses | 1,299,000 | 1,450,000 | 1,581,000 | 1,738,000 |
| Securities available for sale | 12,788,000 | 12,457,000 | 12,396,000 | 12,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,543,000 | 122,976,000 | 128,568,000 | 149,172,000 |
| Interest-bearing deposits | 90,722,000 | 108,781,000 | 113,314,000 | 131,022,000 |
| Noninterest-bearing deposits | 15,820,000 | 14,195,000 | 15,254,000 | 18,150,000 |
| Equity capital | 9,367,000 | 10,608,000 | 12,029,000 | 12,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,591,000 | 7,544,000 | 10,875,000 |
| Interest expense | 846,000 | 1,921,000 | 3,312,000 | 4,960,000 |
| Net interest income | 1,236,000 | 2,670,000 | 4,232,000 | 5,915,000 |
| Noninterest income | 173,000 | 356,000 | 561,000 | 760,000 |
| Noninterest expense | 934,000 | 1,952,000 | 3,045,000 | 4,163,000 |
| Provision for loan losses | 75,000 | 210,000 | 375,000 | 602,000 |
| Pretax income | 400,000 | 864,000 | 1,373,000 | 1,910,000 |
| Income tax | 150,000 | 322,000 | 511,000 | 707,000 |
| Net income | 250,000 | 542,000 | 862,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,507,000 | 10,798,000 | 12,119,000 | 13,060,000 |
| Total capital | 10,741,000 | 12,242,000 | 13,700,000 | 14,798,000 |
| Risk-weighted assets | 101,018,000 | 115,629,000 | 133,568,000 | 147,041,000 |