Call reports 2007
UNITED SOUTHERN BANK — 2007
What UNITED SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 373,833,000 | 373,484,000 | 370,739,000 | 367,034,000 |
| Total loans | 277,901,000 | 279,819,000 | 285,130,000 | 297,249,000 |
| Allowance for loan losses | 4,678,000 | 4,775,000 | 4,855,000 | 4,812,000 |
| Securities available for sale | 49,069,000 | 50,802,000 | 48,933,000 | 43,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,783,000 | 325,188,000 | 321,831,000 | 317,295,000 |
| Interest-bearing deposits | 267,609,000 | 270,120,000 | 264,484,000 | 310,973,000 |
| Noninterest-bearing deposits | 58,174,000 | 55,068,000 | 57,347,000 | 6,322,000 |
| Equity capital | 34,853,000 | 35,704,000 | 36,778,000 | 37,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,945,000 | 12,273,000 | 18,421,000 | 24,533,000 |
| Interest expense | 2,170,000 | 4,432,000 | 6,767,000 | 9,007,000 |
| Net interest income | 3,775,000 | 7,841,000 | 11,654,000 | 15,526,000 |
| Noninterest income | 961,000 | 1,702,000 | 2,486,000 | 3,241,000 |
| Noninterest expense | 2,968,000 | 5,931,000 | 8,774,000 | 11,698,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 520,000 |
| Pretax income | 1,663,000 | 3,402,000 | 5,051,000 | 6,549,000 |
| Income tax | 603,000 | 1,234,000 | 1,831,000 | 2,348,000 |
| Net income | 1,060,000 | 2,168,000 | 3,220,000 | 4,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,414,000 | 36,213,000 | 36,957,000 | 37,630,000 |
| Total capital | 38,876,000 | 39,745,000 | 40,462,000 | 41,320,000 |
| Risk-weighted assets | 290,119,000 | 287,782,000 | 279,070,000 | 293,980,000 |