Call reports 2017
FIRST SOUTHERN BANK — 2017
What FIRST SOUTHERN BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 212,290,000 | 220,201,000 | 213,875,000 | 221,623,000 |
| Total loans | 162,856,000 | 163,890,000 | 163,942,000 | 158,932,000 |
| Allowance for loan losses | 2,232,000 | 2,276,000 | 1,804,000 | 2,304,000 |
| Securities available for sale | 27,628,000 | 28,269,000 | 28,238,000 | 28,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,521,000 | 199,721,000 | 192,747,000 | 201,919,000 |
| Interest-bearing deposits | 167,200,000 | 171,829,000 | 167,140,000 | 174,441,000 |
| Noninterest-bearing deposits | 25,321,000 | 27,892,000 | 25,607,000 | 27,478,000 |
| Equity capital | 19,461,000 | 20,072,000 | 19,490,000 | 18,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,173,000 | 4,400,000 | 6,671,000 | 8,951,000 |
| Interest expense | 259,000 | 528,000 | 809,000 | 1,112,000 |
| Net interest income | 1,914,000 | 3,872,000 | 5,862,000 | 7,839,000 |
| Noninterest income | 420,000 | 818,000 | 1,216,000 | 1,593,000 |
| Noninterest expense | 1,620,000 | 3,156,000 | 4,649,000 | 7,145,000 |
| Provision for loan losses | 0 | 60,000 | 330,000 | 1,221,000 |
| Pretax income | 722,000 | 1,492,000 | 2,128,000 | 1,100,000 |
| Income tax | 286,000 | 562,000 | 808,000 | 613,000 |
| Net income | 436,000 | 930,000 | 1,320,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,694,000 | 20,188,000 | 19,578,000 | 18,745,000 |
| Total capital | 21,578,000 | 22,109,000 | 21,382,000 | 20,585,000 |
| Risk-weighted assets | 150,382,000 | 153,357,000 | 152,996,000 | 146,755,000 |