Call reports 2015
FIRST SOUTHERN NATIONAL BANK — 2015
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 683,354,000 | 674,438,000 | 832,656,000 | 835,142,000 |
| Total loans | 421,595,000 | 421,214,000 | 517,446,000 | 519,319,000 |
| Allowance for loan losses | 5,594,000 | 5,347,000 | 5,605,000 | 5,509,000 |
| Securities available for sale | 164,164,000 | 176,433,000 | 192,698,000 | 189,620,000 |
| Securities held to maturity | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 608,500,000 | 597,920,000 | 734,053,000 | 736,733,000 |
| Interest-bearing deposits | 497,670,000 | 487,515,000 | 592,621,000 | 604,046,000 |
| Noninterest-bearing deposits | 110,830,000 | 110,405,000 | 141,432,000 | 132,687,000 |
| Equity capital | 66,858,000 | 67,783,000 | 83,280,000 | 83,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,319,000 | 13,622,000 | 24,023,000 | 32,383,000 |
| Interest expense | 439,000 | 863,000 | 1,507,000 | 1,950,000 |
| Net interest income | 5,880,000 | 12,759,000 | 22,516,000 | 30,433,000 |
| Noninterest income | 1,218,000 | 2,564,000 | 4,471,000 | 5,965,000 |
| Noninterest expense | 5,712,000 | 11,432,000 | 19,890,000 | 26,673,000 |
| Provision for loan losses | 0 | 0 | 350,000 | 425,000 |
| Pretax income | 1,386,000 | 3,891,000 | 6,818,000 | 9,384,000 |
| Income tax | 399,000 | 1,166,000 | 1,994,000 | 2,780,000 |
| Net income | 987,000 | 2,725,000 | 4,824,000 | 6,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,011,000 | 52,749,000 | 66,758,000 | 67,593,000 |
| Total capital | 56,291,000 | 58,053,000 | 72,404,000 | 73,102,000 |
| Risk-weighted assets | 422,151,000 | 424,312,000 | 498,405,000 | 497,472,000 |