Call reports 2021
FIRST SOUTHERN BANK — 2021
What FIRST SOUTHERN BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 241,956,000 | 256,713,000 | 283,414,000 | 289,456,000 |
| Total loans | 130,130,000 | 122,329,000 | 121,852,000 | 121,280,000 |
| Allowance for loan losses | 1,709,000 | 1,710,000 | 1,758,000 | 1,756,000 |
| Securities available for sale | 37,581,000 | 40,260,000 | 62,931,000 | 71,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,383,000 | 236,859,000 | 263,218,000 | 269,831,000 |
| Interest-bearing deposits | 145,671,000 | 157,554,000 | 178,205,000 | 179,777,000 |
| Noninterest-bearing deposits | 76,712,000 | 79,305,000 | 85,013,000 | 90,054,000 |
| Equity capital | 19,281,000 | 19,503,000 | 19,777,000 | 19,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,147,000 | 4,277,000 | 5,937,000 | 8,376,000 |
| Interest expense | 163,000 | 340,000 | 510,000 | 663,000 |
| Net interest income | 1,984,000 | 3,937,000 | 5,427,000 | 7,713,000 |
| Noninterest income | 264,000 | 487,000 | 1,204,000 | 1,538,000 |
| Noninterest expense | 1,969,000 | 3,987,000 | 6,066,000 | 8,180,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 279,000 | 437,000 | 565,000 | 1,071,000 |
| Income tax | -2,033,000 | -1,997,000 | -1,972,000 | -1,852,000 |
| Net income | 2,312,000 | 2,434,000 | 2,537,000 | 2,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,852,000 | 19,013,000 | 19,149,000 | 19,661,000 |
| Total capital | 20,314,000 | 20,626,000 | 20,907,000 | 21,417,000 |
| Risk-weighted assets | 116,687,000 | 128,961,000 | 141,813,000 | 142,949,000 |