Call reports 2014
FIRST SOUTHERN NATIONAL BANK — 2014
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 681,297,000 | 667,859,000 | 663,869,000 | 683,163,000 |
| Total loans | 420,088,000 | 424,759,000 | 423,780,000 | 423,587,000 |
| Allowance for loan losses | 5,243,000 | 5,171,000 | 5,942,000 | 5,683,000 |
| Securities available for sale | 160,154,000 | 155,172,000 | 161,049,000 | 160,684,000 |
| Securities held to maturity | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,769,000 | 582,398,000 | 578,301,000 | 597,081,000 |
| Interest-bearing deposits | 466,657,000 | 450,702,000 | 460,545,000 | 465,538,000 |
| Noninterest-bearing deposits | 131,112,000 | 131,696,000 | 117,756,000 | 131,543,000 |
| Equity capital | 75,449,000 | 77,529,000 | 76,847,000 | 78,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,462,000 | 12,990,000 | 19,723,000 | 26,258,000 |
| Interest expense | 493,000 | 965,000 | 1,429,000 | 1,885,000 |
| Net interest income | 5,969,000 | 12,025,000 | 18,294,000 | 24,373,000 |
| Noninterest income | 2,471,000 | 3,705,000 | 6,395,000 | 7,610,000 |
| Noninterest expense | 5,694,000 | 10,923,000 | 16,774,000 | 22,636,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,915,000 | 5,001,000 | 8,138,000 | 9,614,000 |
| Income tax | 1,266,000 | 1,929,000 | 2,965,000 | 3,400,000 |
| Net income | 1,649,000 | 3,072,000 | 5,173,000 | 6,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,959,000 | 62,382,000 | 61,983,000 | 63,024,000 |
| Total capital | 66,175,000 | 67,553,000 | 67,162,000 | 68,210,000 |
| Risk-weighted assets | 417,224,000 | 415,328,000 | 413,574,000 | 414,357,000 |