Call reports 2011
FIRST SOUTHERN NATIONAL BANK — 2011
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Total assets | 174,636,000 | 164,599,000 |
| Total loans | 121,127,000 | 110,433,000 |
| Allowance for loan losses | 6,347,000 | 6,132,000 |
| Securities available for sale | 28,259,000 | 23,233,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 170,267,000 | 159,673,000 |
| Interest-bearing deposits | 147,455,000 | 138,281,000 |
| Noninterest-bearing deposits | 22,813,000 | 21,392,000 |
| Equity capital | 4,068,000 | 4,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Interest income | 1,827,000 | 3,692,000 |
| Interest expense | 628,000 | 1,149,000 |
| Net interest income | 1,199,000 | 2,543,000 |
| Noninterest income | -129,000 | 81,000 |
| Noninterest expense | 1,748,000 | 2,958,000 |
| Provision for loan losses | 1,800,000 | 1,800,000 |
| Pretax income | -2,408,000 | -1,823,000 |
| Income tax | 0 | 3,000 |
| Net income | -2,408,000 | -1,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Tier 1 capital | 4,043,000 | 4,625,000 |
| Total capital | 5,586,000 | 6,103,000 |
| Risk-weighted assets | 118,630,000 | 113,568,000 |