Call reports 2020
FIRST SOUTHERN BANK — 2020
What FIRST SOUTHERN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 141,312,000 | 187,738,000 | 191,024,000 | 205,016,000 |
| Total loans | 87,360,000 | 128,949,000 | 133,423,000 | 122,389,000 |
| Allowance for loan losses | 1,589,000 | 1,582,000 | 1,584,000 | 1,713,000 |
| Securities available for sale | 17,789,000 | 16,364,000 | 13,191,000 | 35,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,080,000 | 169,251,000 | 172,501,000 | 186,663,000 |
| Interest-bearing deposits | 88,946,000 | 109,122,000 | 113,928,000 | 127,452,000 |
| Noninterest-bearing deposits | 34,134,000 | 60,129,000 | 58,573,000 | 59,211,000 |
| Equity capital | 17,829,000 | 18,052,000 | 18,137,000 | 18,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 3,558,000 | 5,405,000 | 7,324,000 |
| Interest expense | 164,000 | 323,000 | 485,000 | 637,000 |
| Net interest income | 1,252,000 | 3,235,000 | 4,920,000 | 6,687,000 |
| Noninterest income | 112,000 | 305,000 | 561,000 | 824,000 |
| Noninterest expense | 1,807,000 | 3,812,000 | 5,653,000 | 7,490,000 |
| Provision for loan losses | -98,000 | -98,000 | -98,000 | -98,000 |
| Pretax income | -299,000 | -128,000 | -28,000 | 165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -299,000 | -128,000 | -28,000 | 165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,587,000 | 17,758,000 | 17,858,000 | 18,051,000 |
| Total capital | — | — | — | 19,446,000 |
| Risk-weighted assets | — | — | — | 111,249,000 |