Call reports 2020
FIRST SOUTHERN BANK — 2020
What FIRST SOUTHERN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 199,939,000 | 224,805,000 | 223,330,000 | 225,021,000 |
| Total loans | 143,882,000 | 149,331,000 | 149,252,000 | 144,456,000 |
| Allowance for loan losses | 1,671,000 | 1,692,000 | 1,689,000 | 1,718,000 |
| Securities available for sale | 35,251,000 | 42,559,000 | 39,738,000 | 40,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,031,000 | 199,880,000 | 198,102,000 | 199,937,000 |
| Interest-bearing deposits | 138,450,000 | 150,414,000 | 148,937,000 | 151,285,000 |
| Noninterest-bearing deposits | 37,581,000 | 49,466,000 | 49,165,000 | 48,652,000 |
| Equity capital | 22,958,000 | 24,080,000 | 24,215,000 | 24,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,182,000 | 4,358,000 | 6,493,000 | 8,530,000 |
| Interest expense | 239,000 | 475,000 | 674,000 | 808,000 |
| Net interest income | 1,943,000 | 3,883,000 | 5,819,000 | 7,722,000 |
| Noninterest income | 458,000 | 982,000 | 1,814,000 | 2,506,000 |
| Noninterest expense | 1,788,000 | 3,624,000 | 5,610,000 | 7,552,000 |
| Provision for loan losses | 5,000 | 25,000 | 50,000 | 50,000 |
| Pretax income | 608,000 | 1,216,000 | 1,973,000 | 2,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 608,000 | 1,216,000 | 1,973,000 | 2,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,577,000 | 22,835,000 | 23,241,000 | 23,495,000 |