Call reports 2025
FIRST SOUTHERN NATIONAL BANK — 2025
What FIRST SOUTHERN NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,215,354,000 | 1,238,462,000 | 1,254,008,000 | 1,257,558,000 |
| Total loans | 746,209,000 | 754,896,000 | 771,515,000 | 790,318,000 |
| Allowance for loan losses | 11,436,000 | 11,616,000 | 11,807,000 | 11,893,000 |
| Securities available for sale | 273,703,000 | 254,718,000 | 237,153,000 | 257,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,080,141,000 | 1,097,791,000 | 1,106,715,000 | 1,096,068,000 |
| Interest-bearing deposits | 837,265,000 | 857,073,000 | 865,265,000 | 861,196,000 |
| Noninterest-bearing deposits | 242,876,000 | 240,718,000 | 241,450,000 | 234,872,000 |
| Equity capital | 122,784,000 | 128,058,000 | 135,455,000 | 147,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,848,000 | 30,456,000 | 46,412,000 | 62,282,000 |
| Interest expense | 2,749,000 | 5,610,000 | 8,458,000 | 11,228,000 |
| Net interest income | 12,099,000 | 24,846,000 | 37,954,000 | 51,054,000 |
| Noninterest income | 1,615,000 | 5,216,000 | 6,967,000 | 8,711,000 |
| Noninterest expense | 8,793,000 | 18,163,000 | 28,176,000 | 38,342,000 |
| Provision for loan losses | 313,000 | 505,000 | 785,000 | 964,000 |
| Pretax income | 7,268,000 | 15,102,000 | 24,854,000 | 40,435,000 |
| Income tax | 1,799,000 | 3,739,000 | 6,165,000 | 10,041,000 |
| Net income | 5,469,000 | 11,363,000 | 18,689,000 | 30,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,622,000 | 118,516,000 | 124,841,000 | 135,547,000 |
| Total capital | 123,487,000 | 127,399,000 | 134,108,000 | 145,568,000 |
| Risk-weighted assets | 705,762,000 | 707,051,000 | 738,131,000 | 799,109,000 |