Call reports 2015
FIRST SOUTHERN BANK — 2015
What FIRST SOUTHERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 655,017,000 | 651,202,000 | 639,456,000 | 650,443,000 |
| Total loans | 434,015,000 | 429,676,000 | 434,405,000 | 435,715,000 |
| Allowance for loan losses | 2,864,000 | 3,135,000 | 3,148,000 | 3,127,000 |
| Securities available for sale | 158,486,000 | 152,260,000 | 139,222,000 | 139,826,000 |
| Securities held to maturity | 18,136,000 | 18,599,000 | 20,146,000 | 18,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,430,000 | 524,148,000 | 512,506,000 | 531,460,000 |
| Interest-bearing deposits | 507,918,000 | 495,641,000 | 484,507,000 | 499,916,000 |
| Noninterest-bearing deposits | 29,512,000 | 28,507,000 | 27,999,000 | 31,544,000 |
| Equity capital | 82,032,000 | 83,395,000 | 84,321,000 | 86,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,436,000 | 13,087,000 | 19,424,000 | 25,713,000 |
| Interest expense | 422,000 | 845,000 | 1,256,000 | 1,675,000 |
| Net interest income | 6,014,000 | 12,242,000 | 18,168,000 | 24,038,000 |
| Noninterest income | 977,000 | 1,772,000 | 2,619,000 | 3,440,000 |
| Noninterest expense | 3,675,000 | 7,601,000 | 11,429,000 | 15,626,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 750,000 |
| Pretax income | 3,028,000 | 5,928,000 | 8,837,000 | 11,360,000 |
| Income tax | 993,000 | 1,934,000 | 2,879,000 | 3,679,000 |
| Net income | 2,035,000 | 3,994,000 | 5,958,000 | 7,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,285,000 | 71,256,000 | 72,054,000 | 73,664,000 |
| Total capital | 72,149,000 | 74,391,000 | 75,202,000 | 76,791,000 |
| Risk-weighted assets | 427,168,000 | 425,709,000 | 437,403,000 | 435,234,000 |