Call reports 2021
FIRST SOUTHERN BANK — 2021
What FIRST SOUTHERN BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 775,188,000 | 764,979,000 | 781,000,000 | 795,509,000 |
| Total loans | 498,487,000 | 490,635,000 | 481,456,000 | 486,405,000 |
| Allowance for loan losses | 4,626,000 | 4,649,000 | 4,836,000 | 4,809,000 |
| Securities available for sale | 174,608,000 | 194,236,000 | 229,159,000 | 229,201,000 |
| Securities held to maturity | 23,626,000 | 23,560,000 | 23,649,000 | 20,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,099,000 | 625,501,000 | 641,702,000 | 651,750,000 |
| Interest-bearing deposits | 586,154,000 | 576,699,000 | 588,629,000 | 596,867,000 |
| Noninterest-bearing deposits | 50,945,000 | 48,802,000 | 53,073,000 | 54,883,000 |
| Equity capital | 102,536,000 | 104,488,000 | 106,945,000 | 107,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,169,000 | 13,758,000 | 20,225,000 | 27,151,000 |
| Interest expense | 629,000 | 1,137,000 | 1,578,000 | 1,958,000 |
| Net interest income | 6,540,000 | 12,621,000 | 18,647,000 | 25,193,000 |
| Noninterest income | 943,000 | 2,048,000 | 3,030,000 | 3,954,000 |
| Noninterest expense | 3,834,000 | 7,472,000 | 11,264,000 | 14,908,000 |
| Provision for loan losses | 225,000 | 450,000 | 625,000 | 700,000 |
| Pretax income | 3,408,000 | 6,724,000 | 9,753,000 | 13,478,000 |
| Income tax | 836,000 | 1,435,000 | 2,173,000 | 3,096,000 |
| Net income | 2,572,000 | 5,289,000 | 7,580,000 | 10,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,314,000 | 92,078,000 | 94,224,000 | 96,878,000 |