Call reports 2022
FIRST SOUTHERN BANK — 2022
What FIRST SOUTHERN BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 320,515,000 | 327,493,000 | 318,005,000 | 307,673,000 |
| Total loans | 133,197,000 | 140,369,000 | 151,423,000 | 163,663,000 |
| Allowance for loan losses | 1,756,000 | 1,750,000 | 1,749,000 | 1,851,000 |
| Securities available for sale | 64,589,000 | 5,184,000 | 4,748,000 | 4,481,000 |
| Securities held to maturity | 9,000,000 | 70,044,000 | 69,699,000 | 69,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,034,000 | 310,693,000 | 295,634,000 | 284,623,000 |
| Interest-bearing deposits | 196,596,000 | 206,504,000 | 199,660,000 | 186,729,000 |
| Noninterest-bearing deposits | 107,438,000 | 104,189,000 | 95,974,000 | 97,894,000 |
| Equity capital | 15,659,000 | 15,946,000 | 21,143,000 | 22,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 4,352,000 | 7,231,000 | 10,540,000 |
| Interest expense | 136,000 | 278,000 | 425,000 | 644,000 |
| Net interest income | 1,829,000 | 4,074,000 | 6,806,000 | 9,896,000 |
| Noninterest income | 308,000 | 641,000 | 968,000 | 1,301,000 |
| Noninterest expense | 2,170,000 | 4,408,000 | 6,740,000 | 9,124,000 |
| Provision for loan losses | -64,000 | -64,000 | -64,000 | -64,000 |
| Pretax income | 31,000 | 371,000 | 1,098,000 | 2,137,000 |
| Income tax | 1,000 | 79,000 | 253,000 | 505,000 |
| Net income | 30,000 | 292,000 | 845,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,700,000 | 20,048,000 | 25,380,000 | 26,427,000 |
| Total capital | 21,456,000 | 21,798,000 | 27,129,000 | 28,278,000 |
| Risk-weighted assets | 164,577,000 | 164,858,000 | 178,688,000 | 191,442,000 |