Call reports 2021
UNITED SOUTHERN BANK — 2021
What UNITED SOUTHERN BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 745,335,000 | 775,046,000 | 807,961,000 | 847,789,000 |
| Total loans | 349,023,000 | 340,025,000 | 316,943,000 | 304,829,000 |
| Allowance for loan losses | 10,151,000 | 10,517,000 | 9,573,000 | 9,569,000 |
| Securities available for sale | 245,027,000 | 319,069,000 | 394,113,000 | 464,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,989,000 | 707,526,000 | 738,540,000 | 779,799,000 |
| Interest-bearing deposits | 464,041,000 | 483,389,000 | 323,418,000 | 333,643,000 |
| Noninterest-bearing deposits | 214,948,000 | 224,137,000 | 415,122,000 | 446,156,000 |
| Equity capital | 60,052,000 | 60,986,000 | 62,117,000 | 61,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,020,000 | 11,560,000 | 17,690,000 | 23,499,000 |
| Interest expense | 135,000 | 275,000 | 418,000 | 527,000 |
| Net interest income | 5,885,000 | 11,285,000 | 17,272,000 | 22,972,000 |
| Noninterest income | 1,025,000 | 2,220,000 | 3,471,000 | 4,666,000 |
| Noninterest expense | 4,268,000 | 8,511,000 | 12,925,000 | 17,349,000 |
| Provision for loan losses | 1,057,000 | 1,419,000 | 473,000 | 473,000 |
| Pretax income | 1,585,000 | 3,575,000 | 7,345,000 | 9,816,000 |
| Income tax | 514,000 | 910,000 | 1,870,000 | 2,252,000 |
| Net income | 1,071,000 | 2,665,000 | 5,475,000 | 7,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,920,000 | 60,021,000 | 62,487,000 | 64,145,000 |
| Total capital | — | — | 67,668,000 | 69,349,000 |
| Risk-weighted assets | — | — | 410,146,000 | 411,967,000 |