Call reports 2009
UNITED SOUTHERN BANK — 2009
What UNITED SOUTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 430,338,000 | 426,782,000 | 421,383,000 | 416,597,000 |
| Total loans | 321,118,000 | 317,805,000 | 319,784,000 | 319,318,000 |
| Allowance for loan losses | 5,470,000 | 5,404,000 | 5,230,000 | 6,640,000 |
| Securities available for sale | 68,886,000 | 70,341,000 | 65,002,000 | 47,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,444,000 | 358,546,000 | 356,724,000 | 347,367,000 |
| Interest-bearing deposits | 334,739,000 | 331,551,000 | 0 | 342,206,000 |
| Noninterest-bearing deposits | 27,705,000 | 26,995,000 | 356,724,000 | 5,161,000 |
| Equity capital | 39,847,000 | 39,821,000 | 40,232,000 | 39,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,221,000 | 10,492,000 | 15,757,000 | 20,900,000 |
| Interest expense | 1,447,000 | 2,708,000 | 3,888,000 | 4,904,000 |
| Net interest income | 3,774,000 | 7,784,000 | 11,869,000 | 15,996,000 |
| Noninterest income | 648,000 | 1,279,000 | 2,009,000 | 2,776,000 |
| Noninterest expense | 3,537,000 | 7,003,000 | 10,405,000 | 13,159,000 |
| Provision for loan losses | 600,000 | 1,250,000 | 2,300,000 | 4,300,000 |
| Pretax income | 285,000 | 810,000 | 1,173,000 | 1,729,000 |
| Income tax | 102,000 | 287,000 | 420,000 | 545,000 |
| Net income | 183,000 | 523,000 | 753,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,400,000 | 39,427,000 | 39,343,000 | 39,493,000 |
| Total capital | 43,522,000 | 43,557,000 | 43,539,000 | 43,769,000 |
| Risk-weighted assets | 328,402,000 | 329,118,000 | 334,616,000 | 339,785,000 |