Call reports 2014
FIRST SOUTHERN BANK — 2014
What FIRST SOUTHERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,128,000 | 91,071,000 | 86,417,000 | 89,424,000 |
| Total loans | 62,368,000 | 65,677,000 | 64,515,000 | 64,409,000 |
| Allowance for loan losses | 2,865,000 | 2,938,000 | 2,282,000 | 2,238,000 |
| Securities available for sale | 9,199,000 | 8,954,000 | 8,268,000 | 8,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,906,000 | 85,458,000 | 80,650,000 | 80,694,000 |
| Interest-bearing deposits | 68,843,000 | 67,236,000 | 63,819,000 | 62,737,000 |
| Noninterest-bearing deposits | 17,063,000 | 18,222,000 | 16,831,000 | 17,957,000 |
| Equity capital | 4,554,000 | 4,945,000 | 5,014,000 | 5,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,891,000 | 2,808,000 | 3,960,000 |
| Interest expense | 87,000 | 167,000 | 241,000 | 312,000 |
| Net interest income | 851,000 | 1,724,000 | 2,567,000 | 3,648,000 |
| Noninterest income | 182,000 | 393,000 | 577,000 | 659,000 |
| Noninterest expense | 990,000 | 2,023,000 | 3,145,000 | 4,253,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 94,000 | -1,000 | 54,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 94,000 | -1,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,831,000 | 5,100,000 | 5,147,000 | 5,225,000 |
| Total capital | 5,724,000 | 6,024,000 | 6,039,000 | 6,121,000 |
| Risk-weighted assets | 69,467,000 | 71,919,000 | 69,969,000 | 70,337,000 |