Call reports 2025
FIRST SOUTHERN BANK — 2025
What FIRST SOUTHERN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 329,287,000 | 330,948,000 | 324,134,000 | 327,683,000 |
| Total loans | 209,964,000 | 216,859,000 | 224,331,000 | 231,389,000 |
| Allowance for loan losses | 1,919,000 | 1,967,000 | 2,012,000 | 2,061,000 |
| Securities available for sale | 2,802,000 | 2,687,000 | 2,339,000 | 2,154,000 |
| Securities held to maturity | 67,066,000 | 63,794,000 | 63,456,000 | 63,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,466,000 | 300,336,000 | 292,274,000 | 288,457,000 |
| Interest-bearing deposits | 198,697,000 | 195,654,000 | 194,256,000 | 188,213,000 |
| Noninterest-bearing deposits | 100,769,000 | 104,682,000 | 98,018,000 | 100,244,000 |
| Equity capital | 28,237,000 | 29,121,000 | 30,230,000 | 30,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,222,000 | 8,602,000 | 13,190,000 | 17,805,000 |
| Interest expense | 875,000 | 1,814,000 | 2,813,000 | 3,769,000 |
| Net interest income | 3,347,000 | 6,788,000 | 10,377,000 | 14,036,000 |
| Noninterest income | 371,000 | 725,000 | 1,224,000 | 1,556,000 |
| Noninterest expense | 2,687,000 | 5,424,000 | 8,213,000 | 11,510,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 981,000 | 1,989,000 | 3,238,000 | 3,882,000 |
| Income tax | 242,000 | 491,000 | 802,000 | 939,000 |
| Net income | 739,000 | 1,498,000 | 2,436,000 | 2,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,414,000 | 33,196,000 | 34,160,000 | 34,680,000 |
| Total capital | 34,492,000 | 35,322,000 | 36,331,000 | 36,900,000 |
| Risk-weighted assets | 226,958,000 | 233,126,000 | 239,823,000 | 248,576,000 |