Call reports 2025
UNITED SOUTHERN BANK — 2025
What UNITED SOUTHERN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 873,950,000 | 848,555,000 | 834,734,000 | 841,773,000 |
| Total loans | 410,231,000 | 424,739,000 | 431,336,000 | 442,133,000 |
| Allowance for loan losses | 9,240,000 | 9,248,000 | 9,256,000 | 9,241,000 |
| Securities available for sale | 309,610,000 | 303,235,000 | 299,606,000 | 292,025,000 |
| Securities held to maturity | 6,930,000 | 6,340,000 | 5,825,000 | 5,485,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 818,331,000 | 788,682,000 | 768,028,000 | 771,128,000 |
| Interest-bearing deposits | 580,651,000 | 344,183,000 | 341,765,000 | 335,565,000 |
| Noninterest-bearing deposits | 237,680,000 | 444,499,000 | 426,263,000 | 435,563,000 |
| Equity capital | 47,096,000 | 50,950,000 | 57,479,000 | 61,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,827,000 | 17,736,000 | 26,695,000 | 35,895,000 |
| Interest expense | 1,932,000 | 3,743,000 | 5,473,000 | 7,085,000 |
| Net interest income | 6,895,000 | 13,993,000 | 21,222,000 | 28,810,000 |
| Noninterest income | 1,305,000 | 2,714,000 | 3,984,000 | 5,388,000 |
| Noninterest expense | 5,187,000 | 10,387,000 | 15,590,000 | 21,087,000 |
| Provision for loan losses | 0 | 0 | 0 | -15,000 |
| Pretax income | 3,030,000 | 6,390,000 | 9,664,000 | 13,148,000 |
| Income tax | 803,000 | 1,693,000 | 2,561,000 | 3,048,000 |
| Net income | 2,227,000 | 4,697,000 | 7,103,000 | 10,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,713,000 | 87,361,000 | 88,971,000 | 90,918,000 |