Call reports 2011
UNITED SOUTHERN BANK — 2011
What UNITED SOUTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 403,671,000 | 394,672,000 | 392,476,000 | 383,531,000 |
| Total loans | 296,453,000 | 291,190,000 | 290,721,000 | 282,653,000 |
| Allowance for loan losses | 7,503,000 | 7,966,000 | 8,005,000 | 7,344,000 |
| Securities available for sale | 36,587,000 | 44,271,000 | 42,081,000 | 36,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,083,000 | 339,371,000 | 342,758,000 | 334,868,000 |
| Interest-bearing deposits | 308,679,000 | 304,801,000 | 313,468,000 | 299,236,000 |
| Noninterest-bearing deposits | 39,404,000 | 34,570,000 | 29,290,000 | 35,632,000 |
| Equity capital | 38,279,000 | 38,757,000 | 39,273,000 | 39,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,528,000 | 9,131,000 | 13,557,000 | 17,841,000 |
| Interest expense | 595,000 | 1,120,000 | 1,585,000 | 1,992,000 |
| Net interest income | 3,933,000 | 8,011,000 | 11,972,000 | 15,849,000 |
| Noninterest income | 763,000 | 1,261,000 | 1,579,000 | 2,141,000 |
| Noninterest expense | 3,378,000 | 6,560,000 | 9,740,000 | 13,088,000 |
| Provision for loan losses | 900,000 | 2,100,000 | 2,850,000 | 3,400,000 |
| Pretax income | 418,000 | 765,000 | 1,114,000 | 1,655,000 |
| Income tax | 142,000 | 260,000 | 379,000 | 500,000 |
| Net income | 276,000 | 505,000 | 735,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,071,000 | 38,300,000 | 38,530,000 | 38,951,000 |
| Total capital | 41,835,000 | 41,997,000 | 42,272,000 | 42,601,000 |
| Risk-weighted assets | 301,260,000 | 293,903,000 | 295,088,000 | 288,290,000 |