Call reports 2020
FIRST SOUTHERN BANK — 2020
What FIRST SOUTHERN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 699,766,000 | 742,031,000 | 758,721,000 | 763,565,000 |
| Total loans | 488,269,000 | 511,110,000 | 514,764,000 | 516,017,000 |
| Allowance for loan losses | 3,547,000 | 3,817,000 | 4,311,000 | 4,599,000 |
| Securities available for sale | 126,989,000 | 146,021,000 | 155,259,000 | 160,118,000 |
| Securities held to maturity | 23,040,000 | 22,974,000 | 26,433,000 | 24,620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 551,538,000 | 600,545,000 | 624,655,000 | 629,916,000 |
| Interest-bearing deposits | 512,377,000 | 556,360,000 | 576,775,000 | 576,860,000 |
| Noninterest-bearing deposits | 39,161,000 | 44,185,000 | 47,880,000 | 53,056,000 |
| Equity capital | 94,882,000 | 99,900,000 | 102,644,000 | 105,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,308,000 | 14,666,000 | 21,779,000 | 29,000,000 |
| Interest expense | 1,087,000 | 1,932,000 | 2,709,000 | 3,428,000 |
| Net interest income | 6,221,000 | 12,734,000 | 19,070,000 | 25,572,000 |
| Noninterest income | 862,000 | 1,764,000 | 3,124,000 | 4,159,000 |
| Noninterest expense | 3,762,000 | 7,258,000 | 10,979,000 | 14,639,000 |
| Provision for loan losses | 280,000 | 800,000 | 1,280,000 | 1,760,000 |
| Pretax income | 3,026,000 | 6,421,000 | 9,902,000 | 13,267,000 |
| Income tax | 738,000 | 1,580,000 | 2,435,000 | 3,262,000 |
| Net income | 2,288,000 | 4,841,000 | 7,467,000 | 10,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,185,000 | 85,787,000 | 88,461,000 | 91,048,000 |