Call reports 2002
UNITED SOUTHERN BANK — 2002
What UNITED SOUTHERN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 276,050,000 | 271,193,000 | 279,821,000 | 289,487,000 |
| Total loans | 164,232,000 | 169,561,000 | 175,482,000 | 184,136,000 |
| Allowance for loan losses | 2,305,000 | 2,342,000 | 2,437,000 | 2,527,000 |
| Securities available for sale | 68,920,000 | 65,581,000 | 66,804,000 | 67,857,000 |
| Securities held to maturity | 2,762,000 | 2,662,000 | 2,601,000 | 2,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,071,000 | 243,410,000 | 246,127,000 | 248,792,000 |
| Interest-bearing deposits | 215,111,000 | 209,806,000 | 215,429,000 | 182,052,000 |
| Noninterest-bearing deposits | 33,960,000 | 33,604,000 | 30,698,000 | 66,740,000 |
| Equity capital | 23,073,000 | 24,201,000 | 24,899,000 | 25,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,021,000 | 8,048,000 | 12,009,000 | 15,902,000 |
| Interest expense | 1,147,000 | 2,197,000 | 3,271,000 | 4,275,000 |
| Net interest income | 2,874,000 | 5,851,000 | 8,738,000 | 11,627,000 |
| Noninterest income | 551,000 | 1,120,000 | 1,741,000 | 2,396,000 |
| Noninterest expense | 2,178,000 | 4,389,000 | 6,578,000 | 8,799,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,127,000 | 2,344,000 | 3,543,000 | 4,746,000 |
| Income tax | 384,000 | 814,000 | 1,253,000 | 1,649,000 |
| Net income | 743,000 | 1,530,000 | 2,290,000 | 3,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,276,000 | 23,842,000 | 24,131,000 | 24,717,000 |
| Total capital | 25,335,000 | 25,983,000 | 26,360,000 | 27,083,000 |
| Risk-weighted assets | 164,485,000 | 171,105,000 | 178,171,000 | 189,185,000 |