Call reports 2025
FIRST SOUTHERN BANK — 2025
What FIRST SOUTHERN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 278,380,000 | 330,919,000 | 284,773,000 | 294,776,000 |
| Total loans | 147,305,000 | 148,865,000 | 152,066,000 | 156,375,000 |
| Allowance for loan losses | 2,061,000 | 2,015,000 | 2,058,000 | 2,059,000 |
| Securities available for sale | 77,940,000 | 75,898,000 | 94,766,000 | 92,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,840,000 | 302,033,000 | 240,525,000 | 249,819,000 |
| Interest-bearing deposits | 184,236,000 | 209,154,000 | 174,702,000 | 178,820,000 |
| Noninterest-bearing deposits | 66,604,000 | 92,879,000 | 65,823,000 | 70,999,000 |
| Equity capital | 26,931,000 | 28,011,000 | 29,795,000 | 30,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,454,000 | 7,140,000 | 10,917,000 | 14,778,000 |
| Interest expense | 591,000 | 1,198,000 | 1,816,000 | 2,526,000 |
| Net interest income | 2,863,000 | 5,942,000 | 9,101,000 | 12,252,000 |
| Noninterest income | 511,000 | 981,000 | 1,686,000 | 2,282,000 |
| Noninterest expense | 2,200,000 | 4,457,000 | 6,747,000 | 9,131,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 65,000 |
| Pretax income | 1,174,000 | 2,466,000 | 3,990,000 | 5,338,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,174,000 | 2,466,000 | 3,990,000 | 5,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,500,000 | 31,092,000 | 31,916,000 | 32,364,000 |