Call reports 2016
FIRST SOUTHERN BANK — 2016
What FIRST SOUTHERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 107,512,000 | 103,076,000 | 103,140,000 | 102,369,000 |
| Total loans | 72,844,000 | 69,580,000 | 70,496,000 | 71,554,000 |
| Allowance for loan losses | 1,058,000 | 1,108,000 | 1,104,000 | 1,072,000 |
| Securities available for sale | 9,292,000 | 8,995,000 | 8,010,000 | 9,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,661,000 | 97,244,000 | 97,358,000 | 97,115,000 |
| Interest-bearing deposits | 75,895,000 | 75,561,000 | 74,515,000 | 73,572,000 |
| Noninterest-bearing deposits | 22,766,000 | 21,683,000 | 22,843,000 | 23,543,000 |
| Equity capital | 5,308,000 | 5,187,000 | 5,080,000 | 4,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,319,000 | 3,446,000 | 4,537,000 |
| Interest expense | 83,000 | 170,000 | 250,000 | 329,000 |
| Net interest income | 1,119,000 | 2,149,000 | 3,196,000 | 4,208,000 |
| Noninterest income | 241,000 | 472,000 | 698,000 | 869,000 |
| Noninterest expense | 1,273,000 | 2,687,000 | 4,063,000 | 5,471,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 87,000 | -66,000 | -169,000 | -394,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 87,000 | -66,000 | -169,000 | -394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,298,000 | 5,145,000 | 5,042,000 | 4,816,000 |
| Total capital | 6,286,000 | 6,093,000 | 6,002,000 | 5,801,000 |
| Risk-weighted assets | 79,005,000 | 75,645,000 | 76,707,000 | 78,738,000 |