Call reports 2022
FIRST SOUTHERN NATIONAL BANK — 2022
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,206,640,000 | 1,198,671,000 | 1,191,663,000 | 1,166,483,000 |
| Total loans | 645,125,000 | 681,481,000 | 698,566,000 | 754,780,000 |
| Allowance for loan losses | 10,312,000 | 10,254,000 | 10,341,000 | 10,506,000 |
| Securities available for sale | 336,057,000 | 327,399,000 | 321,169,000 | 313,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,098,469,000 | 1,094,030,000 | 1,093,272,000 | 1,063,470,000 |
| Interest-bearing deposits | 809,976,000 | 800,282,000 | 793,344,000 | 770,244,000 |
| Noninterest-bearing deposits | 288,493,000 | 293,748,000 | 299,928,000 | 293,226,000 |
| Equity capital | 101,156,000 | 96,507,000 | 89,765,000 | 94,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,811,000 | 18,295,000 | 28,661,000 | 39,885,000 |
| Interest expense | 176,000 | 335,000 | 508,000 | 740,000 |
| Net interest income | 8,635,000 | 17,960,000 | 28,153,000 | 39,145,000 |
| Noninterest income | 1,600,000 | 3,291,000 | 5,264,000 | 7,132,000 |
| Noninterest expense | 7,813,000 | 16,147,000 | 24,652,000 | 34,008,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 300,000 |
| Pretax income | 3,178,000 | 3,772,000 | 6,464,000 | 12,082,000 |
| Income tax | 754,000 | 862,000 | 1,525,000 | 2,910,000 |
| Net income | 2,424,000 | 2,910,000 | 4,939,000 | 9,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,911,000 | 94,397,000 | 95,426,000 | 98,658,000 |
| Total capital | 102,799,000 | 102,652,000 | 103,812,000 | 107,717,000 |
| Risk-weighted assets | 628,611,000 | 658,387,000 | 668,908,000 | 723,313,000 |