Call reports 2015
FIRST SOUTHERN BANK — 2015
What FIRST SOUTHERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 209,486,000 | 207,242,000 | 207,348,000 | 207,878,000 |
| Total loans | 157,681,000 | 157,468,000 | 162,486,000 | 160,472,000 |
| Allowance for loan losses | 2,062,000 | 2,211,000 | 2,318,000 | 2,141,000 |
| Securities available for sale | 22,633,000 | 21,906,000 | 23,716,000 | 21,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,072,000 | 185,552,000 | 183,821,000 | 186,545,000 |
| Interest-bearing deposits | 161,706,000 | 162,178,000 | 161,547,000 | 164,844,000 |
| Noninterest-bearing deposits | 25,366,000 | 23,374,000 | 22,274,000 | 21,701,000 |
| Equity capital | 19,051,000 | 19,339,000 | 19,138,000 | 19,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,318,000 | 6,479,000 | 8,648,000 |
| Interest expense | 246,000 | 497,000 | 751,000 | 1,015,000 |
| Net interest income | 1,892,000 | 3,821,000 | 5,728,000 | 7,633,000 |
| Noninterest income | 356,000 | 711,000 | 1,153,000 | 1,485,000 |
| Noninterest expense | 1,534,000 | 3,131,000 | 4,702,000 | 6,349,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 630,000 | 1,225,000 | 1,920,000 | 2,405,000 |
| Income tax | 172,000 | 365,000 | 638,000 | 814,000 |
| Net income | 458,000 | 860,000 | 1,282,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,969,000 | 19,370,000 | 19,092,000 | 19,051,000 |
| Total capital | 20,779,000 | 21,150,000 | 20,940,000 | 20,847,000 |
| Risk-weighted assets | 144,588,000 | 141,971,000 | 147,407,000 | 143,363,000 |