Call reports 2014
FIRST SOUTHERN BANK — 2014
What FIRST SOUTHERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 196,202,000 | 195,113,000 | 193,829,000 | 188,246,000 |
| Total loans | 129,169,000 | 129,252,000 | 134,004,000 | 131,381,000 |
| Allowance for loan losses | 2,489,000 | 2,752,000 | 2,842,000 | 1,851,000 |
| Securities available for sale | 41,267,000 | 38,559,000 | 39,771,000 | 37,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,356,000 | 174,374,000 | 167,689,000 | 165,358,000 |
| Interest-bearing deposits | 148,389,000 | 148,181,000 | 142,863,000 | 141,350,000 |
| Noninterest-bearing deposits | 27,967,000 | 26,193,000 | 24,826,000 | 24,008,000 |
| Equity capital | 18,145,000 | 18,901,000 | 19,105,000 | 18,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,096,000 | 4,268,000 | 6,385,000 | 8,424,000 |
| Interest expense | 254,000 | 504,000 | 739,000 | 954,000 |
| Net interest income | 1,842,000 | 3,764,000 | 5,646,000 | 7,470,000 |
| Noninterest income | 518,000 | 1,036,000 | 1,562,000 | 1,959,000 |
| Noninterest expense | 1,877,000 | 3,792,000 | 5,739,000 | 7,658,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 575,000 |
| Pretax income | 433,000 | 958,000 | 1,419,000 | 1,196,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 433,000 | 958,000 | 1,419,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,992,000 | 18,517,000 | 18,729,000 | 17,910,000 |
| Total capital | 19,704,000 | 20,225,000 | 20,496,000 | 19,620,000 |
| Risk-weighted assets | 136,153,000 | 135,544,000 | 140,275,000 | 136,634,000 |
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