Call reports 2025
FIRST SOUTHERN BANK — 2025
What FIRST SOUTHERN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 648,002,000 | 651,877,000 | 677,557,000 | 732,162,000 |
| Total loans | 541,433,000 | 527,144,000 | 517,551,000 | 506,575,000 |
| Allowance for loan losses | 7,363,000 | 5,605,000 | 6,290,000 | 8,061,000 |
| Securities available for sale | 11,470,000 | 21,054,000 | 39,595,000 | 63,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,707,000 | 542,437,000 | 567,999,000 | 621,197,000 |
| Interest-bearing deposits | 498,234,000 | 495,595,000 | 525,630,000 | 580,774,000 |
| Noninterest-bearing deposits | 40,473,000 | 46,842,000 | 42,369,000 | 40,423,000 |
| Equity capital | 66,941,000 | 66,715,000 | 66,831,000 | 68,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,229,000 | 19,437,000 | 29,725,000 | 40,127,000 |
| Interest expense | 4,138,000 | 8,206,000 | 12,424,000 | 16,656,000 |
| Net interest income | 5,091,000 | 11,231,000 | 17,301,000 | 23,471,000 |
| Noninterest income | 383,000 | 749,000 | 1,202,000 | 1,625,000 |
| Noninterest expense | 3,597,000 | 7,585,000 | 11,426,000 | 14,856,000 |
| Provision for loan losses | 1,200,000 | 4,200,000 | 6,700,000 | 10,200,000 |
| Pretax income | 673,000 | 193,000 | 363,000 | 30,000 |
| Income tax | 168,000 | 20,000 | 47,000 | -67,000 |
| Net income | 505,000 | 173,000 | 316,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,713,000 | 67,380,000 | 67,449,000 | 69,098,000 |