Call reports 2019
FIRST SOUTHERN BANK — 2019
What FIRST SOUTHERN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 195,255,000 | 189,552,000 | 197,254,000 | 195,772,000 |
| Total loans | 138,893,000 | 137,002,000 | 140,178,000 | 138,531,000 |
| Allowance for loan losses | 1,446,000 | 1,397,000 | 1,427,000 | 1,594,000 |
| Securities available for sale | 30,981,000 | 30,838,000 | 30,094,000 | 29,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,121,000 | 166,786,000 | 173,839,000 | 172,579,000 |
| Interest-bearing deposits | 133,967,000 | 133,389,000 | 135,312,000 | 134,157,000 |
| Noninterest-bearing deposits | 39,154,000 | 33,397,000 | 38,527,000 | 38,422,000 |
| Equity capital | 21,807,000 | 22,374,000 | 22,801,000 | 22,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,137,000 | 4,287,000 | 6,499,000 | 8,700,000 |
| Interest expense | 175,000 | 389,000 | 627,000 | 871,000 |
| Net interest income | 1,962,000 | 3,898,000 | 5,872,000 | 7,829,000 |
| Noninterest income | 451,000 | 920,000 | 1,444,000 | 1,965,000 |
| Noninterest expense | 1,769,000 | 3,598,000 | 5,395,000 | 7,295,000 |
| Provision for loan losses | 55,000 | 90,000 | 130,000 | 130,000 |
| Pretax income | 589,000 | 1,130,000 | 1,791,000 | 2,369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,130,000 | 1,791,000 | 2,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,664,000 | 21,905,000 | 22,266,000 | 22,394,000 |
| Total capital | 23,110,000 | 23,302,000 | 23,693,000 | 23,988,000 |
| Risk-weighted assets | 151,443,000 | 150,785,000 | 153,351,000 | 151,365,000 |