Call reports 2021
FIRST SOUTHERN BANK — 2021
What FIRST SOUTHERN BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 367,846,000 | 371,279,000 | 377,419,000 | 417,481,000 |
| Total loans | 284,704,000 | 278,198,000 | 295,817,000 | 333,353,000 |
| Allowance for loan losses | 3,978,000 | 4,098,000 | 4,331,000 | 4,329,000 |
| Securities available for sale | 16,649,000 | 15,547,000 | 18,500,000 | 21,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,748,000 | 338,872,000 | 343,850,000 | 382,351,000 |
| Interest-bearing deposits | 266,774,000 | 276,488,000 | 276,842,000 | 313,190,000 |
| Noninterest-bearing deposits | 69,974,000 | 62,384,000 | 67,008,000 | 69,161,000 |
| Equity capital | 30,394,000 | 31,499,000 | 32,791,000 | 33,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,601,000 | 7,140,000 | 10,866,000 | 14,698,000 |
| Interest expense | 260,000 | 489,000 | 692,000 | 893,000 |
| Net interest income | 3,341,000 | 6,651,000 | 10,174,000 | 13,805,000 |
| Noninterest income | 363,000 | 771,000 | 1,178,000 | 1,672,000 |
| Noninterest expense | 1,933,000 | 3,898,000 | 6,075,000 | 8,581,000 |
| Provision for loan losses | 135,000 | 270,000 | 360,000 | 360,000 |
| Pretax income | 1,636,000 | 3,254,000 | 4,934,000 | 6,545,000 |
| Income tax | 433,000 | 869,000 | 1,136,000 | 1,496,000 |
| Net income | 1,203,000 | 2,385,000 | 3,798,000 | 5,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,996,000 | 31,069,000 | 32,425,000 | 33,575,000 |