Call reports 2015
FIRST SOUTHERN STATE BANK — 2015
What FIRST SOUTHERN STATE 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 | 366,660,000 | 362,515,000 | 357,659,000 | 373,236,000 |
| Total loans | 169,201,000 | 172,238,000 | 173,217,000 | 168,951,000 |
| Allowance for loan losses | 2,566,000 | 2,634,000 | 2,590,000 | 2,635,000 |
| Securities available for sale | 143,657,000 | 151,954,000 | 148,256,000 | 160,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,812,000 | 325,086,000 | 318,399,000 | 333,751,000 |
| Interest-bearing deposits | 300,887,000 | 297,110,000 | 291,667,000 | 304,208,000 |
| Noninterest-bearing deposits | 26,925,000 | 27,976,000 | 26,732,000 | 29,543,000 |
| Equity capital | 34,931,000 | 34,080,000 | 35,401,000 | 35,822,000 |
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 | 3,301,000 | 6,613,000 | 9,993,000 | 13,399,000 |
| Interest expense | 613,000 | 1,234,000 | 1,853,000 | 2,463,000 |
| Net interest income | 2,688,000 | 5,379,000 | 8,140,000 | 10,936,000 |
| Noninterest income | 422,000 | 891,000 | 1,336,000 | 1,772,000 |
| Noninterest expense | 2,029,000 | 4,015,000 | 6,212,000 | 8,304,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,006,000 | 2,105,000 | 3,143,000 | 4,306,000 |
| Income tax | 268,000 | 534,000 | 788,000 | 1,082,000 |
| Net income | 738,000 | 1,571,000 | 2,355,000 | 3,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,803,000 | 34,194,000 | 34,703,000 | 35,128,000 |
| Total capital | 36,243,000 | 36,661,000 | 37,200,000 | 37,625,000 |
| Risk-weighted assets | 195,040,000 | 197,154,000 | 199,652,000 | 199,615,000 |