Call reports 2003
UNITED SOUTHERN BANK — 2003
What UNITED SOUTHERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 302,146,000 | 295,999,000 | 297,916,000 | 304,450,000 |
| Total loans | 182,717,000 | 182,525,000 | 184,993,000 | 186,736,000 |
| Allowance for loan losses | 2,543,000 | 2,572,000 | 2,768,000 | 2,995,000 |
| Securities available for sale | 79,800,000 | 75,884,000 | 77,011,000 | 78,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,220,000 | 254,896,000 | 257,622,000 | 263,677,000 |
| Interest-bearing deposits | 224,453,000 | 219,315,000 | 221,369,000 | 222,571,000 |
| Noninterest-bearing deposits | 36,767,000 | 35,581,000 | 36,253,000 | 41,106,000 |
| Equity capital | 26,137,000 | 26,474,000 | 26,098,000 | 26,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,752,000 | 7,482,000 | 11,091,000 | 14,752,000 |
| Interest expense | 912,000 | 1,756,000 | 2,539,000 | 3,280,000 |
| Net interest income | 2,840,000 | 5,726,000 | 8,552,000 | 11,472,000 |
| Noninterest income | 625,000 | 1,221,000 | 1,871,000 | 2,488,000 |
| Noninterest expense | 2,293,000 | 4,607,000 | 7,047,000 | 9,435,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,052,000 | 2,104,000 | 3,020,000 | 4,049,000 |
| Income tax | 372,000 | 744,000 | 1,036,000 | 1,379,000 |
| Net income | 680,000 | 1,360,000 | 1,984,000 | 2,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,167,000 | 25,615,000 | 26,007,000 | 26,462,000 |
| Total capital | 27,559,000 | 28,035,000 | 28,484,000 | 28,959,000 |
| Risk-weighted assets | 191,172,000 | 193,471,000 | 197,876,000 | 199,331,000 |