Call reports 2019
FIRST SOUTHERN BANK — 2019
What FIRST SOUTHERN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 237,156,000 | 253,436,000 | 265,858,000 | 276,719,000 |
| Total loans | 182,870,000 | 201,056,000 | 210,475,000 | 217,367,000 |
| Allowance for loan losses | 2,894,000 | 2,962,000 | 3,000,000 | 2,902,000 |
| Securities available for sale | 26,694,000 | 25,698,000 | 22,487,000 | 21,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,621,000 | 220,383,000 | 231,982,000 | 249,836,000 |
| Interest-bearing deposits | 182,782,000 | 190,952,000 | 199,472,000 | 213,854,000 |
| Noninterest-bearing deposits | 29,839,000 | 29,431,000 | 32,510,000 | 35,982,000 |
| Equity capital | 23,871,000 | 24,769,000 | 25,607,000 | 26,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,645,000 | 5,452,000 | 8,424,000 | 11,457,000 |
| Interest expense | 514,000 | 1,074,000 | 1,709,000 | 2,363,000 |
| Net interest income | 2,131,000 | 4,378,000 | 6,715,000 | 9,094,000 |
| Noninterest income | 294,000 | 615,000 | 924,000 | 1,295,000 |
| Noninterest expense | 1,585,000 | 3,217,000 | 4,854,000 | 6,687,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 780,000 | 1,656,000 | 2,606,000 | 3,467,000 |
| Income tax | 160,000 | 379,000 | 587,000 | 730,000 |
| Net income | 620,000 | 1,277,000 | 2,019,000 | 2,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,020,000 | 24,677,000 | 25,419,000 | 26,137,000 |
| Total capital | 26,168,000 | 27,076,000 | 27,940,000 | 28,723,000 |
| Risk-weighted assets | 171,095,000 | 191,423,000 | 201,280,000 | 206,618,000 |