Call reports 2015
UNITED SOUTHERN BANK — 2015
What UNITED SOUTHERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 429,560,000 | 427,348,000 | 437,737,000 | 439,554,000 |
| Total loans | 260,134,000 | 259,930,000 | 256,855,000 | 260,038,000 |
| Allowance for loan losses | 6,663,000 | 6,671,000 | 6,675,000 | 6,362,000 |
| Securities available for sale | 84,644,000 | 87,623,000 | 93,443,000 | 93,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,799,000 | 381,543,000 | 391,205,000 | 393,102,000 |
| Interest-bearing deposits | 337,481,000 | 349,364,000 | 358,191,000 | 341,185,000 |
| Noninterest-bearing deposits | 46,318,000 | 32,179,000 | 33,014,000 | 51,917,000 |
| Equity capital | 42,208,000 | 41,873,000 | 42,680,000 | 42,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,616,000 | 7,250,000 | 10,983,000 | 14,865,000 |
| Interest expense | 177,000 | 353,000 | 530,000 | 710,000 |
| Net interest income | 3,439,000 | 6,897,000 | 10,453,000 | 14,155,000 |
| Noninterest income | 863,000 | 1,643,000 | 2,498,000 | 3,472,000 |
| Noninterest expense | 3,313,000 | 6,647,000 | 10,030,000 | 13,456,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 989,000 | 1,893,000 | 2,921,000 | 4,671,000 |
| Income tax | 336,000 | 647,000 | 977,000 | 1,791,000 |
| Net income | 653,000 | 1,246,000 | 1,944,000 | 2,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,739,000 | 42,050,000 | 42,465,000 | 42,858,000 |
| Total capital | 45,235,000 | 45,660,000 | 46,061,000 | 46,535,000 |
| Risk-weighted assets | 276,547,000 | 285,698,000 | 284,580,000 | 291,461,000 |