Call reports 2019
FIRST SOUTHERN BANK — 2019
What FIRST SOUTHERN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 680,414,000 | 697,169,000 | 702,909,000 | 682,935,000 |
| Total loans | 465,823,000 | 475,253,000 | 475,341,000 | 479,666,000 |
| Allowance for loan losses | 3,418,000 | 3,445,000 | 3,534,000 | 3,355,000 |
| Securities available for sale | 141,931,000 | 140,848,000 | 138,652,000 | 138,342,000 |
| Securities held to maturity | 20,860,000 | 23,780,000 | 24,331,000 | 21,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,900,000 | 542,710,000 | 559,230,000 | 540,836,000 |
| Interest-bearing deposits | 485,036,000 | 498,198,000 | 511,768,000 | 500,117,000 |
| Noninterest-bearing deposits | 41,864,000 | 44,512,000 | 47,462,000 | 40,719,000 |
| Equity capital | 95,993,000 | 99,745,000 | 99,193,000 | 97,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,101,000 | 14,385,000 | 21,814,000 | 29,262,000 |
| Interest expense | 1,098,000 | 2,274,000 | 3,495,000 | 4,615,000 |
| Net interest income | 6,003,000 | 12,111,000 | 18,319,000 | 24,647,000 |
| Noninterest income | 727,000 | 1,615,000 | 2,537,000 | 3,495,000 |
| Noninterest expense | 3,794,000 | 7,569,000 | 11,455,000 | 15,268,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 630,000 |
| Pretax income | 2,784,000 | 5,828,000 | 8,897,000 | 12,169,000 |
| Income tax | 672,000 | 1,411,000 | 2,147,000 | 2,948,000 |
| Net income | 2,112,000 | 4,417,000 | 6,750,000 | 9,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,587,000 | 87,940,000 | 86,884,000 | 84,987,000 |
| Total capital | 89,005,000 | 91,385,000 | 90,418,000 | 88,342,000 |
| Risk-weighted assets | 476,476,000 | 484,597,000 | 488,361,000 | 487,115,000 |
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