Call reports 2022
UNITED SOUTHERN BANK — 2022
What UNITED SOUTHERN BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 840,015,000 | 858,678,000 | 841,695,000 | 892,197,000 |
| Total loans | 302,098,000 | 314,090,000 | 328,943,000 | 340,304,000 |
| Allowance for loan losses | 9,529,000 | 9,540,000 | 9,667,000 | 9,684,000 |
| Securities available for sale | 430,885,000 | 428,649,000 | 400,449,000 | 408,511,000 |
| Securities held to maturity | 0 | 13,221,000 | 12,482,000 | 12,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 796,202,000 | 826,671,000 | 824,988,000 | 812,396,000 |
| Interest-bearing deposits | 313,598,000 | 357,754,000 | 363,077,000 | 562,130,000 |
| Noninterest-bearing deposits | 482,604,000 | 468,917,000 | 461,911,000 | 250,266,000 |
| Equity capital | 36,869,000 | 24,720,000 | 9,496,000 | 22,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,832,000 | 11,843,000 | 18,590,000 | 25,856,000 |
| Interest expense | 103,000 | 208,000 | 316,000 | 864,000 |
| Net interest income | 5,729,000 | 11,635,000 | 18,274,000 | 24,992,000 |
| Noninterest income | 1,194,000 | 2,498,000 | 3,781,000 | 5,082,000 |
| Noninterest expense | 4,429,000 | 8,874,000 | 13,455,000 | 17,933,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,494,000 | 5,259,000 | 8,600,000 | 12,141,000 |
| Income tax | 661,000 | 1,289,000 | 2,263,000 | 2,755,000 |
| Net income | 1,833,000 | 3,970,000 | 6,337,000 | 9,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,622,000 | 67,402,000 | 69,413,000 | 71,558,000 |
| Total capital | 70,992,000 | 73,259,000 | 75,364,000 | 77,550,000 |
| Risk-weighted assets | 425,481,000 | 464,923,000 | 472,421,000 | 475,671,000 |