Call reports 2005
UNITED SOUTHERN BANK — 2005
What UNITED SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 334,713,000 | 343,113,000 | 352,675,000 | 353,369,000 |
| Total loans | 219,487,000 | 232,945,000 | 247,593,000 | 258,383,000 |
| Allowance for loan losses | 3,800,000 | 3,930,000 | 4,005,000 | 4,115,000 |
| Securities available for sale | 69,858,000 | 74,771,000 | 69,261,000 | 65,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,965,000 | 300,336,000 | 309,298,000 | 309,492,000 |
| Interest-bearing deposits | 243,492,000 | 251,568,000 | 0 | 254,551,000 |
| Noninterest-bearing deposits | 49,473,000 | 48,768,000 | 309,298,000 | 54,941,000 |
| Equity capital | 28,384,000 | 29,379,000 | 30,080,000 | 30,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,191,000 | 8,745,000 | 13,716,000 | 19,025,000 |
| Interest expense | 836,000 | 1,851,000 | 3,063,000 | 4,435,000 |
| Net interest income | 3,355,000 | 6,894,000 | 10,653,000 | 14,590,000 |
| Noninterest income | 665,000 | 1,321,000 | 2,077,000 | 2,931,000 |
| Noninterest expense | 2,572,000 | 5,195,000 | 7,866,000 | 10,399,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 320,000 |
| Pretax income | 1,388,000 | 2,900,000 | 4,664,000 | 6,802,000 |
| Income tax | 482,000 | 1,008,000 | 1,621,000 | 2,454,000 |
| Net income | 906,000 | 1,892,000 | 3,043,000 | 4,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,999,000 | 29,702,000 | 30,571,000 | 31,593,000 |
| Total capital | 31,941,000 | 32,821,000 | 33,803,000 | 34,930,000 |
| Risk-weighted assets | 234,878,000 | 248,688,000 | 257,770,000 | 266,212,000 |