Call reports 2015
FIRST SOUTHERN BANK — 2015
What FIRST SOUTHERN 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 | 97,004,000 | 99,823,000 | 97,212,000 | 96,907,000 |
| Total loans | 65,375,000 | 67,772,000 | 69,986,000 | 72,051,000 |
| Allowance for loan losses | 2,093,000 | 2,100,000 | 1,947,000 | 1,043,000 |
| Securities available for sale | 9,119,000 | 8,474,000 | 8,168,000 | 7,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,344,000 | 91,116,000 | 88,418,000 | 88,209,000 |
| Interest-bearing deposits | 69,416,000 | 69,533,000 | 68,756,000 | 67,799,000 |
| Noninterest-bearing deposits | 18,928,000 | 21,583,000 | 19,662,000 | 20,410,000 |
| Equity capital | 5,075,000 | 5,060,000 | 5,170,000 | 5,168,000 |
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 | 957,000 | 2,117,000 | 3,209,000 | 4,331,000 |
| Interest expense | 74,000 | 150,000 | 228,000 | 307,000 |
| Net interest income | 883,000 | 1,967,000 | 2,981,000 | 4,024,000 |
| Noninterest income | 234,000 | 550,000 | 870,000 | 1,162,000 |
| Noninterest expense | 1,293,000 | 2,608,000 | 3,883,000 | 5,201,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -176,000 | -91,000 | -32,000 | -15,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -176,000 | -91,000 | -32,000 | -15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,050,000 | 5,136,000 | 5,194,000 | 5,211,000 |
| Total capital | 5,997,000 | 6,085,000 | 6,168,000 | 6,189,000 |
| Risk-weighted assets | 74,647,000 | 74,801,000 | 76,942,000 | 78,187,000 |