Call reports 2019
FIRST SOUTHERN BANK — 2019
What FIRST SOUTHERN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 123,099,000 | 121,183,000 | 123,517,000 | 126,263,000 |
| Total loans | 73,019,000 | 77,594,000 | 82,735,000 | 84,056,000 |
| Allowance for loan losses | 1,328,000 | 1,276,000 | 1,293,000 | 1,687,000 |
| Securities available for sale | 16,851,000 | 16,735,000 | 20,184,000 | 19,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,842,000 | 102,008,000 | 104,500,000 | 107,857,000 |
| Interest-bearing deposits | 76,198,000 | 72,773,000 | 75,574,000 | 78,916,000 |
| Noninterest-bearing deposits | 27,644,000 | 29,235,000 | 28,926,000 | 28,941,000 |
| Equity capital | 18,865,000 | 18,795,000 | 18,653,000 | 17,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,278,000 | 2,700,000 | 4,135,000 | 5,554,000 |
| Interest expense | 94,000 | 191,000 | 296,000 | 430,000 |
| Net interest income | 1,184,000 | 2,509,000 | 3,839,000 | 5,124,000 |
| Noninterest income | 217,000 | 385,000 | 593,000 | 758,000 |
| Noninterest expense | 1,337,000 | 2,728,000 | 4,400,000 | 6,219,000 |
| Provision for loan losses | 184,000 | 648,000 | 671,000 | 1,071,000 |
| Pretax income | -120,000 | -482,000 | -362,000 | -1,131,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -120,000 | -482,000 | -362,000 | -1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,953,000 | 18,535,000 | 18,654,000 | 17,886,000 |
| Total capital | 19,954,000 | 19,591,000 | 19,794,000 | 19,043,000 |
| Risk-weighted assets | 79,677,000 | 84,232,000 | 91,083,000 | 92,003,000 |