Call reports 2018
FIRST SOUTHERN BANK — 2018
What FIRST SOUTHERN BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 219,406,000 | 230,225,000 | 234,419,000 | 245,835,000 |
| Total loans | 164,687,000 | 168,920,000 | 179,227,000 | 179,195,000 |
| Allowance for loan losses | 2,351,000 | 2,458,000 | 2,800,000 | 2,771,000 |
| Securities available for sale | 29,900,000 | 28,754,000 | 27,666,000 | 27,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,243,000 | 207,795,000 | 211,218,000 | 221,972,000 |
| Interest-bearing deposits | 171,573,000 | 172,063,000 | 179,311,000 | 192,237,000 |
| Noninterest-bearing deposits | 28,670,000 | 35,732,000 | 31,907,000 | 29,735,000 |
| Equity capital | 18,858,000 | 21,867,000 | 22,204,000 | 22,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,265,000 | 4,668,000 | 7,210,000 | 9,843,000 |
| Interest expense | 306,000 | 653,000 | 1,053,000 | 1,548,000 |
| Net interest income | 1,959,000 | 4,015,000 | 6,157,000 | 8,295,000 |
| Noninterest income | 385,000 | 808,000 | 1,195,000 | 1,516,000 |
| Noninterest expense | 1,545,000 | 3,135,000 | 4,750,000 | 6,440,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 315,000 |
| Pretax income | 694,000 | 1,478,000 | 2,287,000 | 3,056,000 |
| Income tax | 127,000 | 331,000 | 665,000 | 901,000 |
| Net income | 567,000 | 1,147,000 | 1,622,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,312,000 | 22,392,000 | 22,867,000 | 23,399,000 |
| Total capital | 21,255,000 | 24,447,000 | 24,981,000 | 25,494,000 |
| Risk-weighted assets | 155,094,000 | 164,024,000 | 168,498,000 | 166,955,000 |