Call reports 2016
UNITED SOUTHERN BANK — 2016
What UNITED SOUTHERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 466,747,000 | 475,654,000 | 492,698,000 | 503,319,000 |
| Total loans | 268,994,000 | 273,627,000 | 277,385,000 | 278,004,000 |
| Allowance for loan losses | 6,329,000 | 6,352,000 | 6,565,000 | 6,383,000 |
| Securities available for sale | 98,946,000 | 115,755,000 | 128,871,000 | 137,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,512,000 | 427,102,000 | 443,636,000 | 456,634,000 |
| Interest-bearing deposits | 371,920,000 | 387,392,000 | 389,027,000 | 411,561,000 |
| Noninterest-bearing deposits | 47,592,000 | 39,710,000 | 54,609,000 | 45,073,000 |
| Equity capital | 43,395,000 | 44,310,000 | 44,762,000 | 42,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,784,000 | 7,753,000 | 11,887,000 | 16,115,000 |
| Interest expense | 179,000 | 364,000 | 563,000 | 766,000 |
| Net interest income | 3,605,000 | 7,389,000 | 11,324,000 | 15,349,000 |
| Noninterest income | 838,000 | 1,757,000 | 2,620,000 | 3,493,000 |
| Noninterest expense | 3,559,000 | 7,066,000 | 10,566,000 | 13,784,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 884,000 | 2,080,000 | 3,378,000 | 5,208,000 |
| Income tax | 323,000 | 759,000 | 1,233,000 | 1,893,000 |
| Net income | 561,000 | 1,321,000 | 2,145,000 | 3,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,126,000 | 43,593,000 | 44,123,000 | 44,988,000 |
| Total capital | 46,936,000 | 47,484,000 | 48,072,000 | 49,016,000 |
| Risk-weighted assets | 302,295,000 | 308,786,000 | 313,316,000 | 319,867,000 |