Call reports 2010
UNITED SOUTHERN BANK — 2010
What UNITED SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 429,584,000 | 423,697,000 | 411,572,000 | 393,261,000 |
| Total loans | 320,326,000 | 311,701,000 | 306,713,000 | 299,814,000 |
| Allowance for loan losses | 7,250,000 | 7,753,000 | 8,090,000 | 7,500,000 |
| Securities available for sale | 40,501,000 | 43,051,000 | 43,247,000 | 39,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,600,000 | 351,651,000 | 342,410,000 | 335,652,000 |
| Interest-bearing deposits | 337,224,000 | 319,833,000 | 318,896,000 | 303,244,000 |
| Noninterest-bearing deposits | 20,376,000 | 31,818,000 | 23,514,000 | 32,408,000 |
| Equity capital | 39,852,000 | 40,050,000 | 39,361,000 | 37,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,899,000 | 9,921,000 | 14,836,000 | 19,603,000 |
| Interest expense | 819,000 | 1,658,000 | 2,476,000 | 3,169,000 |
| Net interest income | 4,080,000 | 8,263,000 | 12,360,000 | 16,434,000 |
| Noninterest income | 808,000 | 1,901,000 | 2,671,000 | 2,377,000 |
| Noninterest expense | 3,418,000 | 7,104,000 | 10,951,000 | 13,343,000 |
| Provision for loan losses | 1,200,000 | 2,500,000 | 3,250,000 | 4,250,000 |
| Pretax income | 374,000 | 790,000 | 1,060,000 | 1,476,000 |
| Income tax | 134,000 | 283,000 | 380,000 | 450,000 |
| Net income | 240,000 | 507,000 | 680,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,419,000 | 39,373,000 | 38,733,000 | 37,790,000 |
| Total capital | 43,880,000 | 43,070,000 | 42,549,000 | 41,594,000 |
| Risk-weighted assets | 354,128,000 | 305,958,000 | 301,043,000 | 300,658,000 |