Call reports 2016
FIRST SOUTHERN BANK — 2016
What FIRST SOUTHERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 214,272,000 | 214,558,000 | 217,313,000 | 210,698,000 |
| Total loans | 161,655,000 | 162,212,000 | 157,399,000 | 161,605,000 |
| Allowance for loan losses | 2,241,000 | 2,385,000 | 2,412,000 | 2,421,000 |
| Securities available for sale | 23,780,000 | 27,217,000 | 27,411,000 | 26,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,444,000 | 193,083,000 | 197,908,000 | 191,358,000 |
| Interest-bearing deposits | 167,555,000 | 169,532,000 | 171,154,000 | 167,771,000 |
| Noninterest-bearing deposits | 24,889,000 | 23,551,000 | 26,754,000 | 23,587,000 |
| Equity capital | 19,535,000 | 20,051,000 | 19,058,000 | 18,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,293,000 | 6,413,000 | 8,585,000 |
| Interest expense | 265,000 | 532,000 | 793,000 | 1,057,000 |
| Net interest income | 1,869,000 | 3,761,000 | 5,620,000 | 7,528,000 |
| Noninterest income | 357,000 | 716,000 | 1,087,000 | 1,455,000 |
| Noninterest expense | 1,655,000 | 3,208,000 | 4,745,000 | 6,419,000 |
| Provision for loan losses | 105,000 | 210,000 | 245,000 | 245,000 |
| Pretax income | 495,000 | 1,126,000 | 1,784,000 | 2,390,000 |
| Income tax | 129,000 | 348,000 | 567,000 | 808,000 |
| Net income | 366,000 | 778,000 | 1,217,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,418,000 | 19,829,000 | 18,894,000 | 19,258,000 |
| Total capital | 21,251,000 | 21,675,000 | 20,711,000 | 21,143,000 |
| Risk-weighted assets | 146,212,000 | 147,177,000 | 144,750,000 | 150,293,000 |