Call reports 2016
FIRST SOUTHERN BANK — 2016
What FIRST SOUTHERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 194,836,000 | 195,021,000 | 195,567,000 | 190,210,000 |
| Total loans | 125,711,000 | 128,889,000 | 128,914,000 | 127,211,000 |
| Allowance for loan losses | 1,797,000 | 1,248,000 | 1,528,000 | 1,517,000 |
| Securities available for sale | 41,580,000 | 45,582,000 | 42,059,000 | 40,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,419,000 | 170,083,000 | 174,456,000 | 170,112,000 |
| Interest-bearing deposits | 143,599,000 | 140,417,000 | 145,294,000 | 142,220,000 |
| Noninterest-bearing deposits | 30,820,000 | 29,666,000 | 29,162,000 | 27,892,000 |
| Equity capital | 19,269,000 | 19,695,000 | 19,911,000 | 19,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,940,000 | 3,906,000 | 5,887,000 | 7,852,000 |
| Interest expense | 117,000 | 229,000 | 342,000 | 448,000 |
| Net interest income | 1,823,000 | 3,677,000 | 5,545,000 | 7,404,000 |
| Noninterest income | 474,000 | 1,020,000 | 1,604,000 | 2,142,000 |
| Noninterest expense | 1,863,000 | 3,707,000 | 5,607,000 | 7,487,000 |
| Provision for loan losses | 40,000 | 240,000 | 305,000 | 340,000 |
| Pretax income | 394,000 | 750,000 | 1,237,000 | 1,719,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 394,000 | 750,000 | 1,237,000 | 1,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,617,000 | 18,723,000 | 19,210,000 | 19,441,000 |
| Total capital | 20,198,000 | 19,971,000 | 20,738,000 | 20,958,000 |
| Risk-weighted assets | 126,103,000 | 129,490,000 | 128,512,000 | 125,087,000 |