Call reports 2020
FIRST SOUTHERN NATIONAL BANK — 2020
What FIRST SOUTHERN NATIONAL 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 | 907,584,000 | 982,884,000 | 996,816,000 | 1,025,271,000 |
| Total loans | 625,914,000 | 657,283,000 | 650,379,000 | 646,213,000 |
| Allowance for loan losses | 8,514,000 | 8,847,000 | 9,284,000 | 9,992,000 |
| Securities available for sale | 134,148,000 | 122,469,000 | 121,432,000 | 134,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,292,000 | 871,409,000 | 885,600,000 | 911,512,000 |
| Interest-bearing deposits | 623,588,000 | 664,020,000 | 675,478,000 | 693,912,000 |
| Noninterest-bearing deposits | 175,704,000 | 207,389,000 | 210,122,000 | 217,600,000 |
| Equity capital | 101,015,000 | 102,458,000 | 103,404,000 | 106,280,000 |
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 | 9,464,000 | 18,571,000 | 27,632,000 | 37,372,000 |
| Interest expense | 525,000 | 961,000 | 1,360,000 | 1,731,000 |
| Net interest income | 8,939,000 | 17,610,000 | 26,272,000 | 35,641,000 |
| Noninterest income | 1,594,000 | 3,171,000 | 4,588,000 | 6,211,000 |
| Noninterest expense | 6,928,000 | 13,924,000 | 20,764,000 | 27,671,000 |
| Provision for loan losses | 158,000 | 553,000 | 1,028,000 | 1,877,000 |
| Pretax income | 3,447,000 | 6,304,000 | 9,068,000 | 14,474,000 |
| Income tax | 715,000 | 1,307,000 | 1,880,000 | 3,009,000 |
| Net income | 2,732,000 | 4,997,000 | 7,188,000 | 11,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,454,000 | 83,722,000 | 84,915,000 | 88,195,000 |
| Total capital | 89,652,000 | 90,799,000 | 91,947,000 | 95,742,000 |
| Risk-weighted assets | 574,506,000 | 564,374,000 | 560,287,000 | 601,295,000 |