Call reports 2002
UNITED SOUTHERN BANK — 2002
What UNITED SOUTHERN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 95,390,000 | 95,300,000 | 100,417,000 | 108,125,000 |
| Total loans | 62,562,000 | 64,812,000 | 66,855,000 | 71,431,000 |
| Allowance for loan losses | 673,000 | 636,000 | 654,000 | 670,000 |
| Securities available for sale | 12,251,000 | 13,253,000 | 13,695,000 | 14,535,000 |
| Securities held to maturity | 11,149,000 | 11,003,000 | 10,778,000 | 10,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,672,000 | 85,207,000 | 89,688,000 | 97,585,000 |
| Interest-bearing deposits | 74,343,000 | 75,256,000 | 79,755,000 | 85,449,000 |
| Noninterest-bearing deposits | 11,329,000 | 9,951,000 | 9,933,000 | 12,136,000 |
| Equity capital | 9,594,000 | 9,984,000 | 10,445,000 | 10,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,410,000 | 3,652,000 | 4,911,000 |
| Interest expense | 659,000 | 1,257,000 | 1,869,000 | 2,491,000 |
| Net interest income | 538,000 | 1,153,000 | 1,783,000 | 2,420,000 |
| Noninterest income | 117,000 | 228,000 | 336,000 | 455,000 |
| Noninterest expense | 528,000 | 1,066,000 | 1,635,000 | 2,246,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 127,000 | 315,000 | 469,000 | 599,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 315,000 | 469,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,492,000 | 9,683,000 | 9,832,000 | 9,919,000 |
| Total capital | 10,165,000 | 10,319,000 | 10,486,000 | 10,589,000 |
| Risk-weighted assets | 66,209,000 | 67,480,000 | 69,854,000 | 74,977,000 |