Call reports 2016
FIRST SOUTHERN BANK — 2016
What FIRST SOUTHERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 661,149,000 | 670,442,000 | 680,374,000 | 669,149,000 |
| Total loans | 459,379,000 | 469,500,000 | 472,365,000 | 488,117,000 |
| Allowance for loan losses | 3,235,000 | 3,339,000 | 3,142,000 | 3,189,000 |
| Securities available for sale | 139,610,000 | 135,606,000 | 124,558,000 | 116,026,000 |
| Securities held to maturity | 19,803,000 | 19,746,000 | 19,687,000 | 18,442,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,624,000 | 533,162,000 | 506,595,000 | 513,218,000 |
| Interest-bearing deposits | 515,037,000 | 502,710,000 | 475,715,000 | 475,339,000 |
| Noninterest-bearing deposits | 30,587,000 | 30,452,000 | 30,880,000 | 37,879,000 |
| Equity capital | 85,359,000 | 87,543,000 | 89,142,000 | 89,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,297,000 | 12,720,000 | 19,295,000 | 25,791,000 |
| Interest expense | 443,000 | 997,000 | 1,537,000 | 2,070,000 |
| Net interest income | 5,854,000 | 11,723,000 | 17,758,000 | 23,721,000 |
| Noninterest income | 752,000 | 1,582,000 | 2,474,000 | 3,436,000 |
| Noninterest expense | 3,722,000 | 7,564,000 | 11,535,000 | 14,994,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 2,891,000 | 5,642,000 | 8,499,000 | 11,899,000 |
| Income tax | 943,000 | 1,836,000 | 2,808,000 | 3,966,000 |
| Net income | 1,948,000 | 3,806,000 | 5,691,000 | 7,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,589,000 | 74,474,000 | 76,149,000 | 78,328,000 |
| Total capital | 75,824,000 | 77,813,000 | 79,291,000 | 81,517,000 |
| Risk-weighted assets | 456,560,000 | 470,885,000 | 473,364,000 | 482,265,000 |