Call reports 2015
FIRST SOUTHERN BANK — 2015
What FIRST SOUTHERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 196,041,000 | 191,283,000 | 193,253,000 | 188,779,000 |
| Total loans | 131,069,000 | 125,325,000 | 121,294,000 | 125,192,000 |
| Allowance for loan losses | 1,875,000 | 1,681,000 | 1,852,000 | 1,852,000 |
| Securities available for sale | 36,715,000 | 40,921,000 | 42,230,000 | 43,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,895,000 | 171,217,000 | 172,785,000 | 168,725,000 |
| Interest-bearing deposits | 143,797,000 | 142,526,000 | 139,441,000 | 137,783,000 |
| Noninterest-bearing deposits | 32,098,000 | 28,691,000 | 33,344,000 | 30,942,000 |
| Equity capital | 18,748,000 | 18,548,000 | 18,953,000 | 18,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,041,000 | 5,991,000 | 7,955,000 |
| Interest expense | 183,000 | 358,000 | 506,000 | 628,000 |
| Net interest income | 1,869,000 | 3,683,000 | 5,485,000 | 7,327,000 |
| Noninterest income | 521,000 | 1,053,000 | 1,595,000 | 2,066,000 |
| Noninterest expense | 1,885,000 | 3,774,000 | 5,744,000 | 7,640,000 |
| Provision for loan losses | 40,000 | 80,000 | 115,000 | 190,000 |
| Pretax income | 465,000 | 882,000 | 1,221,000 | 1,563,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 465,000 | 882,000 | 1,221,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,124,000 | 18,291,000 | 18,381,000 | 18,473,000 |
| Total capital | 19,777,000 | 19,848,000 | 19,918,000 | 20,043,000 |
| Risk-weighted assets | 132,102,000 | 124,400,000 | 122,611,000 | 125,234,000 |