Call reports 2009
FIRST SOUTHERN NATIONAL BANK — 2009
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 251,108,000 | 249,150,000 | 239,267,000 | 236,183,000 |
| Total loans | 187,659,000 | 179,334,000 | 171,447,000 | 165,601,000 |
| Allowance for loan losses | 2,849,000 | 3,164,000 | 3,593,000 | 4,769,000 |
| Securities available for sale | 34,738,000 | 38,009,000 | 41,771,000 | 42,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,586,000 | 211,119,000 | 204,374,000 | 203,482,000 |
| Interest-bearing deposits | 194,364,000 | 193,783,000 | 188,570,000 | 187,627,000 |
| Noninterest-bearing deposits | 17,223,000 | 17,336,000 | 15,804,000 | 15,855,000 |
| Equity capital | 23,214,000 | 23,121,000 | 21,492,000 | 19,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,946,000 | 5,958,000 | 8,965,000 | 11,800,000 |
| Interest expense | 1,531,000 | 3,002,000 | 4,308,000 | 5,535,000 |
| Net interest income | 1,415,000 | 2,956,000 | 4,657,000 | 6,265,000 |
| Noninterest income | 321,000 | 633,000 | 882,000 | 532,000 |
| Noninterest expense | 1,342,000 | 2,840,000 | 4,349,000 | 5,880,000 |
| Provision for loan losses | 0 | 900,000 | 2,500,000 | 5,500,000 |
| Pretax income | 394,000 | 15,000 | -2,157,000 | -5,430,000 |
| Income tax | 140,000 | -20,000 | -300,000 | -1,500,000 |
| Net income | 254,000 | 35,000 | -1,857,000 | -3,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,857,000 | 23,139,000 | 21,247,000 | 19,173,000 |
| Total capital | 25,292,000 | 25,508,000 | 23,500,000 | 21,364,000 |
| Risk-weighted assets | 194,432,000 | 188,836,000 | 179,541,000 | 172,684,000 |