Call reports 2016
FIRST SOUTHERN NATIONAL BANK — 2016
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 852,019,000 | 850,730,000 | 845,094,000 | 855,307,000 |
| Total loans | 512,852,000 | 536,743,000 | 547,036,000 | 546,397,000 |
| Allowance for loan losses | 5,771,000 | 6,066,000 | 6,521,000 | 6,437,000 |
| Securities available for sale | 202,329,000 | 205,164,000 | 196,678,000 | 190,564,000 |
| Securities held to maturity | 4,000,000 | 2,922,000 | 2,922,000 | 2,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 752,275,000 | 748,342,000 | 742,447,000 | 758,968,000 |
| Interest-bearing deposits | 613,295,000 | 609,763,000 | 599,860,000 | 613,255,000 |
| Noninterest-bearing deposits | 138,980,000 | 138,579,000 | 142,587,000 | 145,713,000 |
| Equity capital | 85,294,000 | 87,054,000 | 87,683,000 | 85,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,231,000 | 16,312,000 | 24,678,000 | 32,906,000 |
| Interest expense | 409,000 | 803,000 | 1,161,000 | 1,503,000 |
| Net interest income | 7,822,000 | 15,509,000 | 23,517,000 | 31,403,000 |
| Noninterest income | 1,585,000 | 3,051,000 | 4,709,000 | 6,205,000 |
| Noninterest expense | 6,462,000 | 12,896,000 | 19,472,000 | 26,054,000 |
| Provision for loan losses | 339,000 | 577,000 | 1,005,000 | 1,216,000 |
| Pretax income | 2,633,000 | 5,115,000 | 7,777,000 | 10,531,000 |
| Income tax | 830,000 | 1,610,000 | 2,451,000 | 3,331,000 |
| Net income | 1,803,000 | 3,505,000 | 5,326,000 | 7,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,367,000 | 69,091,000 | 69,934,000 | 70,829,000 |
| Total capital | 74,138,000 | 75,157,000 | 76,455,000 | 77,266,000 |
| Risk-weighted assets | 487,829,000 | 512,480,000 | 525,407,000 | 521,237,000 |