Call reports 2025
FIRST SOUTHERN STATE BANK — 2025
What FIRST SOUTHERN STATE 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 | 836,527,000 | 854,957,000 | 861,339,000 | 877,165,000 |
| Total loans | 467,097,000 | 474,900,000 | 477,553,000 | 485,703,000 |
| Allowance for loan losses | 5,603,000 | 5,720,000 | 5,785,000 | 5,840,000 |
| Securities available for sale | 259,668,000 | 260,574,000 | 273,237,000 | 279,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,901,000 | 782,437,000 | 781,309,000 | 794,581,000 |
| Interest-bearing deposits | 704,626,000 | 719,742,000 | 718,580,000 | 729,727,000 |
| Noninterest-bearing deposits | 61,275,000 | 62,695,000 | 62,729,000 | 64,854,000 |
| Equity capital | 64,355,000 | 66,059,000 | 73,384,000 | 76,609,000 |
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 | 10,265,000 | 21,114,000 | 32,270,000 | 43,589,000 |
| Interest expense | 3,973,000 | 7,900,000 | 11,883,000 | 15,744,000 |
| Net interest income | 6,292,000 | 13,214,000 | 20,387,000 | 27,845,000 |
| Noninterest income | 1,121,000 | 2,404,000 | 3,779,000 | 5,069,000 |
| Noninterest expense | 4,478,000 | 9,264,000 | 13,773,000 | 18,412,000 |
| Provision for loan losses | 160,000 | 360,000 | 445,000 | 794,000 |
| Pretax income | 2,563,000 | 5,782,000 | 9,736,000 | 13,496,000 |
| Income tax | 540,000 | 1,236,000 | 2,114,000 | 2,960,000 |
| Net income | 2,023,000 | 4,546,000 | 7,622,000 | 10,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,122,000 | 87,567,000 | 89,866,000 | 91,687,000 |