Call reports 2004
UNITED SOUTHERN BANK — 2004
What UNITED SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 308,944,000 | 313,790,000 | 315,026,000 | 317,320,000 |
| Total loans | 188,850,000 | 196,438,000 | 208,030,000 | 209,233,000 |
| Allowance for loan losses | 3,152,000 | 3,383,000 | 3,569,000 | 3,632,000 |
| Securities available for sale | 82,625,000 | 70,676,000 | 65,778,000 | 60,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,996,000 | 273,433,000 | 273,759,000 | 276,122,000 |
| Interest-bearing deposits | 226,181,000 | 232,755,000 | 231,057,000 | 229,983,000 |
| Noninterest-bearing deposits | 41,815,000 | 40,678,000 | 42,702,000 | 46,139,000 |
| Equity capital | 27,306,000 | 26,431,000 | 27,718,000 | 28,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,621,000 | 7,182,000 | 10,958,000 | 14,987,000 |
| Interest expense | 696,000 | 1,383,000 | 2,103,000 | 2,866,000 |
| Net interest income | 2,925,000 | 5,799,000 | 8,855,000 | 12,121,000 |
| Noninterest income | 643,000 | 1,313,000 | 1,937,000 | 2,628,000 |
| Noninterest expense | 2,493,000 | 4,976,000 | 7,466,000 | 10,002,000 |
| Provision for loan losses | 120,000 | 240,000 | 300,000 | 340,000 |
| Pretax income | 955,000 | 1,896,000 | 3,026,000 | 4,407,000 |
| Income tax | 337,000 | 670,000 | 1,070,000 | 1,467,000 |
| Net income | 618,000 | 1,226,000 | 1,956,000 | 2,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,823,000 | 27,174,000 | 27,647,000 | 28,375,000 |
| Total capital | 29,355,000 | 29,825,000 | 30,428,000 | 31,179,000 |
| Risk-weighted assets | 201,977,000 | 211,319,000 | 221,736,000 | 223,514,000 |