Call reports 2012
UNITED SOUTHERN BANK — 2012
What UNITED SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 385,102,000 | 379,833,000 | 385,500,000 | 385,988,000 |
| Total loans | 280,697,000 | 276,491,000 | 271,526,000 | 271,996,000 |
| Allowance for loan losses | 7,317,000 | 7,259,000 | 7,237,000 | 7,083,000 |
| Securities available for sale | 38,074,000 | 43,948,000 | 48,714,000 | 55,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,316,000 | 333,184,000 | 339,248,000 | 339,949,000 |
| Interest-bearing deposits | 305,130,000 | 309,361,000 | 312,476,000 | 305,080,000 |
| Noninterest-bearing deposits | 34,186,000 | 23,823,000 | 26,772,000 | 34,869,000 |
| Equity capital | 39,891,000 | 40,394,000 | 41,041,000 | 41,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,215,000 | 8,332,000 | 12,333,000 | 16,073,000 |
| Interest expense | 372,000 | 658,000 | 930,000 | 1,191,000 |
| Net interest income | 3,843,000 | 7,674,000 | 11,403,000 | 14,882,000 |
| Noninterest income | 654,000 | 1,483,000 | 2,286,000 | 3,203,000 |
| Noninterest expense | 3,406,000 | 6,770,000 | 10,070,000 | 13,244,000 |
| Provision for loan losses | 650,000 | 1,375,000 | 2,025,000 | 2,516,000 |
| Pretax income | 462,000 | 1,033,000 | 1,615,000 | 2,346,000 |
| Income tax | 157,000 | 347,000 | 549,000 | 821,000 |
| Net income | 305,000 | 686,000 | 1,066,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,260,000 | 39,640,000 | 40,020,000 | 40,251,000 |
| Total capital | 42,922,000 | 43,248,000 | 43,599,000 | 43,861,000 |
| Risk-weighted assets | 289,311,000 | 284,958,000 | 282,693,000 | 285,299,000 |