Call reports 2014
UNITED SOUTHERN BANK — 2014
What UNITED SOUTHERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 407,073,000 | 403,564,000 | 402,294,000 | 404,909,000 |
| Total loans | 265,766,000 | 263,491,000 | 258,097,000 | 258,249,000 |
| Allowance for loan losses | 6,394,000 | 6,312,000 | 6,094,000 | 5,841,000 |
| Securities available for sale | 72,188,000 | 75,433,000 | 79,540,000 | 81,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,926,000 | 357,294,000 | 355,751,000 | 359,922,000 |
| Interest-bearing deposits | 327,244,000 | 320,142,000 | 320,906,000 | 320,801,000 |
| Noninterest-bearing deposits | 34,682,000 | 37,152,000 | 34,845,000 | 39,121,000 |
| Equity capital | 41,941,000 | 42,642,000 | 42,947,000 | 41,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,650,000 | 7,304,000 | 10,980,000 | 14,575,000 |
| Interest expense | 180,000 | 357,000 | 533,000 | 710,000 |
| Net interest income | 3,470,000 | 6,947,000 | 10,447,000 | 13,865,000 |
| Noninterest income | 1,098,000 | 1,948,000 | 2,769,000 | 3,515,000 |
| Noninterest expense | 3,387,000 | 6,827,000 | 10,178,000 | 13,437,000 |
| Provision for loan losses | 300,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | 881,000 | 1,668,000 | 2,638,000 | 3,543,000 |
| Income tax | 302,000 | 567,000 | 897,000 | 1,265,000 |
| Net income | 579,000 | 1,101,000 | 1,741,000 | 2,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,436,000 | 41,541,000 | 42,454,000 | 40,785,000 |
| Total capital | 45,027,000 | 45,053,000 | 45,594,000 | 44,254,000 |
| Risk-weighted assets | 284,495,000 | 278,109,000 | 276,184,000 | 275,159,000 |