Call reports 2006
UNITED SOUTHERN BANK — 2006
What UNITED SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 367,137,000 | 373,643,000 | 369,708,000 | 366,256,000 |
| Total loans | 260,944,000 | 263,122,000 | 272,754,000 | 276,365,000 |
| Allowance for loan losses | 4,269,000 | 4,390,000 | 4,568,000 | 4,586,000 |
| Securities available for sale | 62,239,000 | 64,919,000 | 62,853,000 | 56,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,362,000 | 328,851,000 | 323,749,000 | 319,444,000 |
| Interest-bearing deposits | 262,371,000 | 271,107,000 | 212,508,000 | 265,801,000 |
| Noninterest-bearing deposits | 59,991,000 | 57,744,000 | 111,241,000 | 53,643,000 |
| Equity capital | 31,525,000 | 31,978,000 | 33,256,000 | 34,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,453,000 | 11,220,000 | 17,256,000 | 23,336,000 |
| Interest expense | 1,607,000 | 3,367,000 | 5,393,000 | 7,538,000 |
| Net interest income | 3,846,000 | 7,853,000 | 11,863,000 | 15,798,000 |
| Noninterest income | 729,000 | 1,402,000 | 2,151,000 | 2,839,000 |
| Noninterest expense | 2,805,000 | 5,680,000 | 8,451,000 | 11,063,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 480,000 |
| Pretax income | 1,635,000 | 3,305,000 | 5,158,000 | 7,094,000 |
| Income tax | 593,000 | 1,198,000 | 1,870,000 | 2,560,000 |
| Net income | 1,042,000 | 2,107,000 | 3,288,000 | 4,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,327,000 | 33,084,000 | 33,956,000 | 34,662,000 |
| Total capital | 35,731,000 | 36,538,000 | 37,494,000 | 38,215,000 |
| Risk-weighted assets | 271,481,000 | 275,417,000 | 281,976,000 | 283,220,000 |