Call reports 2019
UNITED SOUTHERN BANK — 2019
What UNITED SOUTHERN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 529,397,000 | 534,327,000 | 533,396,000 | 549,994,000 |
| Total loans | 300,807,000 | 303,325,000 | 309,509,000 | 316,206,000 |
| Allowance for loan losses | 6,855,000 | 6,856,000 | 6,877,000 | 6,878,000 |
| Securities available for sale | 162,055,000 | 171,887,000 | 163,041,000 | 166,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,834,000 | 476,063,000 | 473,488,000 | 489,537,000 |
| Interest-bearing deposits | 431,818,000 | 425,547,000 | 321,916,000 | 326,164,000 |
| Noninterest-bearing deposits | 42,016,000 | 50,516,000 | 151,572,000 | 163,373,000 |
| Equity capital | 49,830,000 | 52,407,000 | 53,697,000 | 54,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,146,000 | 10,468,000 | 15,804,000 | 21,159,000 |
| Interest expense | 307,000 | 611,000 | 927,000 | 1,233,000 |
| Net interest income | 4,839,000 | 9,857,000 | 14,877,000 | 19,926,000 |
| Noninterest income | 955,000 | 1,977,000 | 3,025,000 | 4,167,000 |
| Noninterest expense | 4,108,000 | 8,437,000 | 12,483,000 | 16,713,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,686,000 | 3,397,000 | 5,419,000 | 7,383,000 |
| Income tax | 447,000 | 900,000 | 1,436,000 | 1,760,000 |
| Net income | 1,239,000 | 2,497,000 | 3,983,000 | 5,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,564,000 | 52,408,000 | 53,481,000 | 54,642,000 |
| Total capital | 56,107,000 | 56,960,000 | 57,899,000 | 59,238,000 |
| Risk-weighted assets | 361,150,000 | 361,925,000 | 351,015,000 | 365,466,000 |