Call reports 2013
UNITED SOUTHERN BANK — 2013
What UNITED SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 394,778,000 | 391,695,000 | 393,809,000 | 398,214,000 |
| Total loans | 274,585,000 | 275,471,000 | 273,190,000 | 271,338,000 |
| Allowance for loan losses | 7,395,000 | 7,399,000 | 7,425,000 | 6,156,000 |
| Securities available for sale | 59,132,000 | 58,849,000 | 64,094,000 | 66,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,657,000 | 346,235,000 | 349,078,000 | 353,694,000 |
| Interest-bearing deposits | 319,366,000 | 312,999,000 | 314,634,000 | 309,371,000 |
| Noninterest-bearing deposits | 31,291,000 | 33,236,000 | 34,444,000 | 44,323,000 |
| Equity capital | 41,150,000 | 40,319,000 | 41,196,000 | 41,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,731,000 | 7,519,000 | 11,278,000 | 15,000,000 |
| Interest expense | 242,000 | 453,000 | 657,000 | 855,000 |
| Net interest income | 3,489,000 | 7,066,000 | 10,621,000 | 14,145,000 |
| Noninterest income | 929,000 | 1,770,000 | 2,645,000 | 3,489,000 |
| Noninterest expense | 3,380,000 | 6,698,000 | 9,944,000 | 12,953,000 |
| Provision for loan losses | 529,000 | 1,067,000 | 1,668,000 | 2,167,000 |
| Pretax income | 509,000 | 1,071,000 | 1,654,000 | 2,514,000 |
| Income tax | 173,000 | 364,000 | 546,000 | 871,000 |
| Net income | 336,000 | 707,000 | 1,108,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,774,000 | 40,888,000 | 40,494,000 | 40,844,000 |
| Total capital | 43,456,000 | 44,548,000 | 44,122,000 | 44,476,000 |
| Risk-weighted assets | 290,790,000 | 289,037,000 | 286,464,000 | 288,055,000 |