Call reports 2014
FIRST SOUTHERN BANK — 2014
What FIRST SOUTHERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 203,796,000 | 206,563,000 | 205,838,000 | 233,226,000 |
| Total loans | 147,289,000 | 156,330,000 | 158,655,000 | 157,359,000 |
| Allowance for loan losses | 1,823,000 | 1,906,000 | 1,982,000 | 1,976,000 |
| Securities available for sale | 29,162,000 | 26,396,000 | 23,572,000 | 23,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,270,000 | 184,667,000 | 183,609,000 | 211,475,000 |
| Interest-bearing deposits | 162,504,000 | 162,116,000 | 162,957,000 | 189,265,000 |
| Noninterest-bearing deposits | 19,766,000 | 22,551,000 | 20,652,000 | 22,210,000 |
| Equity capital | 17,984,000 | 18,612,000 | 18,922,000 | 18,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,083,000 | 4,285,000 | 6,515,000 | 8,702,000 |
| Interest expense | 211,000 | 437,000 | 669,000 | 924,000 |
| Net interest income | 1,872,000 | 3,848,000 | 5,846,000 | 7,778,000 |
| Noninterest income | 320,000 | 601,000 | 893,000 | 1,133,000 |
| Noninterest expense | 1,524,000 | 3,088,000 | 4,679,000 | 6,369,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 315,000 |
| Pretax income | 566,000 | 1,197,000 | 1,807,000 | 2,289,000 |
| Income tax | 173,000 | 374,000 | 676,000 | 852,000 |
| Net income | 393,000 | 823,000 | 1,131,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,268,000 | 18,697,000 | 19,005,000 | 18,510,000 |
| Total capital | 19,990,000 | 20,510,000 | 20,823,000 | 20,369,000 |
| Risk-weighted assets | 137,656,000 | 144,966,000 | 145,247,000 | 148,612,000 |