Call reports 2025
FIRST SOUTHERN BANK — 2025
What FIRST SOUTHERN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,027,428,000 | 1,043,916,000 | 1,029,519,000 | 1,041,146,000 |
| Total loans | 653,690,000 | 657,889,000 | 658,918,000 | 673,842,000 |
| Allowance for loan losses | 8,666,000 | 7,550,000 | 7,051,000 | 6,800,000 |
| Securities available for sale | 254,095,000 | 247,741,000 | 259,814,000 | 264,744,000 |
| Securities held to maturity | 35,475,000 | 34,445,000 | 34,350,000 | 30,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 899,778,000 | 884,223,000 | 871,897,000 | 898,792,000 |
| Interest-bearing deposits | 499,237,000 | 482,513,000 | 484,427,000 | 469,136,000 |
| Noninterest-bearing deposits | 400,541,000 | 401,710,000 | 387,470,000 | 429,656,000 |
| Equity capital | 101,633,000 | 100,695,000 | 109,498,000 | 114,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,100,000 | 24,340,000 | 37,208,000 | 50,412,000 |
| Interest expense | 3,283,000 | 6,420,000 | 9,718,000 | 12,974,000 |
| Net interest income | 8,817,000 | 17,920,000 | 27,490,000 | 37,438,000 |
| Noninterest income | 1,010,000 | 1,936,000 | 3,019,000 | 4,242,000 |
| Noninterest expense | 5,558,000 | 10,628,000 | 16,052,000 | 21,122,000 |
| Provision for loan losses | 90,000 | 150,000 | 210,000 | 543,000 |
| Pretax income | 4,179,000 | 9,078,000 | 14,251,000 | 20,022,000 |
| Income tax | 886,000 | 1,936,000 | 3,078,000 | 4,357,000 |
| Net income | 3,293,000 | 7,142,000 | 11,173,000 | 15,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,690,000 | 102,477,000 | 106,536,000 | 111,074,000 |